> Full index: [llms.txt](https://orwanna.com/llms.txt) # Is my card revolving? How to tell from the contract and statement It is if each month you pay an instalment, fixed or a percentage, instead of everything you spent, and you're charged interest on what's left. Spanish rules require your bank to say "revolving" explicitly in the document it gives you before you sign and in the information it sends every quarter. Filip Sardjoski ([About](https://orwanna.com/en/about/)) · Updated: 16 October 2026 · Reviewed by: Not yet ## How do I know if my card is revolving? It is if each month you pay an instalment instead of everything you spent, and you're charged interest on what's left. If you pay the full amount each month and never see interest, you're using the card on end-of-month payment. Many cards have both modes, full payment and deferred payment, in the same contract. What counts is the mode you're on now. ## What do I look for in the contract? A separate document, from before you signed, that says "revolving" explicitly. The rules require it, along with an example with two or more possible instalments and whether you can change the payment method. Beyond that document, look for these signs: - **Duration.** The contract has no end date, or renews itself every year. - **Payment modes.** It mentions "pago aplazado" (deferred payment), "cuota fija" (fixed instalment), "porcentaje" or "cuota mínima", as well as end-of-month payment. - **Interest rates.** It gives a TIN and a TAE for deferred payment. If full payment is at 0%, the credit with interest is the deferred one. - **The name.** Some issuers say it in the title. WiZink, for example, calls its document "Información previa del crédito revolving", and Cetelem publishes an "Información de transparencia del crédito revolving". Banco de España also suggests checking whether, once signed, you can change the payment method or the instalment, and how. ## What do I look for on the statement or in the quarterly information? A line of interest each month, and your payment method. Your lender has to send you, at least every quarter, a document stating that the payment method is revolving, what your instalment is, and when you'd finish paying if you stop using the card. If each month you see an instalment that isn't everything you spent, interest charged, and the money available on the card goes back up when you pay, your card is working as revolving credit. ## Which cards are revolving? Many cards from banks, finance companies and shops have a revolving mode. These are the ten in Asufin's 2025 survey: | Card | Issuer | |---|---| | Tarjeta Después and Después Oro | BBVA | | WiZink Now | WiZink | | Visa Pass Carrefour | Servicios Financieros Carrefour | | Visa & Go | CaixaBank | | Bankintercard Platinum | Bankinter Consumer Finance | | Tarjeta Alcampo Dúa | Oney | | Tarjeta Shopping | Deutsche Bank | | IKEA Visa | CaixaBank Payments & Consumer | | Visa Proyecta | Abanca | If your card isn't on the list, that doesn't mean it isn't revolving. Check your contract. **When will you finish?** Enter your balance, TIN and payment. You'll see how many months you have left and how much interest you pay, with and without round-ups. [Open the calculator](https://orwanna.com/en/calculator/) ## What if I don't have the contract? Ask your lender for it, along with the information it has to give you on request: the payments you've made, what you owe and an amortisation table. It has five working days to give you this and can't charge for it. The amortisation table shows how much of each instalment goes on interest and when you'd finish. You can also enter your figures in our calculator. ## If it's revolving, what do I do now? Check how much you owe, at what interest and with what instalment, and decide whether you can pay more each month. The [guide to getting out of revolving debt](https://orwanna.com/en/guides/get-out-of-revolving-debt/) explains the steps, and [Pay it off, consolidate or claim?](https://orwanna.com/en/guides/pay-off-vs-consolidate-vs-claim/) compares the other options. ## Sources 1. [Orden EHA/2899/2011, on transparency for banking customers (consolidated text)](https://www.boe.es/buscar/act.php?id=BOE-A-2011-17015), BOE, articles 33 bis to 33 octies 2. [Orden ETD/699/2020, regulating revolving credit](https://www.boe.es/eli/es/o/2020/07/24/etd699), BOE, 27 July 2020 3. [Tarjetas revolving. ¿Cómo se comercializan?](https://clientebancario.bde.es/pcb/es/blog/tarjetas-revolving--como-se-comercializan-.html), Banco de España, Portal del Cliente Bancario, 16 October 2020 4. [Qué información puedes solicitar si dispones de una tarjeta revolving](https://clientebancario.bde.es/pcb/es/blog/que-informacion-puedes-solicitar-si-dispones-de-una-tarjeta-revolving-.html), Banco de España, Portal del Cliente Bancario, 2 June 2022 5. [IX Barómetro de tarjetas revolving](https://www.asufin.com/wp-content/uploads/2026/02/251212_IX_BAROMETRO_REVOLVING_DICIEMBRE_2025.pdf), Asufin, December 2025 6. [Información previa del crédito revolving (IPAR)](https://www.wizink.es/public/content/dam/wizink-web-es/documents/legal/precontractual/ipar/WZGE_IPAR.pdf), WiZink 7. [Información de transparencia del crédito revolving](https://www.cetelem.es/documents/34437/548919014/transparencia_revolving.pdf), Cetelem ## Read next - [What a revolving card is](https://orwanna.com/en/guides/what-is-a-revolving-card/): It's a credit card where you don't pay back everything you spend at the end of the month: you pay an instalment, fixed or a percentage, and whatever is left keeps earning interest. What you pay back becomes available to spend again, so the debt can drag on for a long time. - [Get out of revolving debt](https://orwanna.com/en/guides/get-out-of-revolving-debt/): Stop using the card's credit, raise your payment or switch to paying in full, and make extra payments when you can: every extra euro goes straight to the debt. With €2,000 at 18% TIN, raising the payment from €60 to €100 cuts the time from 47 to 24 months and the interest from €793 to €396. - [Minimum payment or fixed instalment](https://orwanna.com/en/guides/minimum-payment-vs-fixed-instalment/): If you pay a percentage of what you owe, the payment falls along with the debt and the time stretches out a lot. In the example, €2,000 at 18% TIN paid at 3% of the balance, with a €25 minimum, takes 103 months and costs €1,463 in interest; at a fixed €60, 47 months and €793. **General information, not financial or legal advice.** For help or to complain: [Banco de España's Portal del Cliente Bancario](https://clientebancario.bde.es/pcb/es/), [Asufin](https://www.asufin.com/), [OCU](https://www.ocu.org/), [FACUA](https://facua.org/), [ADICAE](https://www.adicae.es/). ## The interest you stop paying is yours. Sign up. Coming to iPhone and Android. Join at [https://orwanna.com/en/guides/is-my-card-revolving/#join](https://orwanna.com/en/guides/is-my-card-revolving/#join). --- Page: https://orwanna.com/en/guides/is-my-card-revolving/