A revolving charge refers to a type of credit in which the amount owed and the length of time it is owed are variable. A credit card is a financial instrument that offers revolving charges. Users can charge any amount up to their credit limit, and the lender does not require the full amount to be paid immediately — the charges revolve at the end of the billing period. Some cards do not allow charges to revolve, but require payment at the end of the billing cycle (usually monthly). They are called charge cards.