Tracking Revolving Credit

Key Fields

• Credit limit — the maximum you are authorized to borrow on this facility
• Current balance — what you currently owe on the facility
• Available credit — credit limit minus current balance; the amount still accessible to draw
• Utilization — current balance divided by credit limit, expressed as a percentage

How Drawing Affects the Numbers

When you draw on a revolving facility, the current balance increases and available credit decreases by the same amount. When you make a payment, the balance falls and available credit rises. Policy Stack stores each balance update as a point-in-time record, so the history of your revolving balance is preserved the same way policy snapshots preserve your cash value history.

The liability detail page leads with these revolving fields — credit limit, current balance, available credit, and utilization — and charts the balance over time as you record updates.

Recording Updates

To update a revolving balance, open the liability and choose Record balance. As with any liability, you can upload a lender statement for Policy Stack to extract the balance (Builder Pro) or enter it manually. Policy Stack keeps the prior value so you can see the trajectory over time, and the current balance always reflects the most recent entry. See Tracking Liabilities for the full balance-update walkthrough.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.