Roll Rate

In the credit card industry, the roll-rate is a mathematical formula that is used to determine the overall delinquency rates that are needed for industry paperwork and statistics.

Over time, the credit card industry has noticed that 30-day delinquencies “roll” to become 60-day delinquencies that “roll” to become 90-day delinquencies. The roll-rate formula determines an estimate of the delinquent population that will roll into each new accounting segment before it happens.

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