Roll Rate

The percentage of borrowers who become moderately past due on payments to an account who will go on to become significantly past due. In the credit card industry, delinquencies are categorized as 30 days, 60 days, and 90+ days past due. If 5 out of 100 borrowers who start out being 30 days late are still delinquent at the 60 day mark, the roll rate for delinquency is considered to be 20 percent.