Roll Rate

A roll rate is the percentage of credit card accounts that are charged off (meaning they are unpaid and sent to a collection agency) within a given period of time. In the industry, a roll rate is often used as a measure of how well a credit card issuer is managing its risk. A low roll rate indicates that the issuer is effectively managing its risk, while a high roll rate could be an indicator that they are not properly controlling its exposure to bad debt.