Forex Rollover Credit and Debit is the term used that is meant to tell about the interest the bank charges or pays to the trader for having trades rollover to next financial trading day.

In forex trading, as you know the trading day is considered to start at 5 PM EST till 4:59 pm the next day. So if you have a trade which was not closed on the same trading day, then the broker will provide the forex rollover credit/debit depending on the interest rate prevailing in the currencies involved in the trade.

So, lets say you opened a EUR/USD trade at 2 PM today that you don't close by 5 PM, then your broker will check the bank interest rates of EUR and of USD. Since in this case you have bought EUR by selling USD, you'll earn the interest on EUR, but will give the interest of USD to broker.

So, if EUR interest is 1% and USD interest is 0.7%, your net gain is 0.3% (1-0.7) and you'll receive the Rollover credit applied to your trading account.

Few points related to Forex Rollover Credit/Debit -

1. The rollover values fluctuates since bank interest rates doen't remain the same across trading days.

2. This concept of rollover credit and debit is primarily applicable to swing trading where the trade lasts for days/weeks/months. If you are day trading, then you won't have to worry about this at all since the typical day trades happen between 1 AM to 3 PM EST.

3. Even though there is money involved, the trade decisions by individual traders are not that much influenced by the rollover credits. The trade decisions are based on technical analysis. Profit/Loss  from Forex Rollover credits/debits values is very low as compared to profit/loss made by currency movement.

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