Revolving loan is a kind of loan method, which is different from traditional installment repayment. Borrowers can withdraw cash and make multiple repayments within a certain amount, such as credit cards.

For revolving loans, banks generally don't check the credit information every time, but they will grant credit and adjust the loan interest rate according to the borrower's repayment record and credit rating. If the borrower has bad records such as overdue and arrears, it will affect the trust in the bank and lead to the reduction or cancellation of the credit line. Therefore, timely repayment and maintaining a good credit record are the keys to the success of revolving loans.