diff --git a/src/utils.cpp b/src/utils.cpp
index 3fbb89d..45c7292 100644
--- a/src/utils.cpp
+++ b/src/utils.cpp
@@ -46,7 +46,17 @@ namespace utils
   {
     auto symbol = symbol_type(system_token_symbol);
     eosio::token t(N(eosio.token));
-    return t.get_balance(owner, symbol.name());
+    auto balance = t.get_balance(owner, symbol.name());
+    // update creditor if balance is outdated
+    creditor_table c(code_account, SCOPE_CREDITOR>>1);
+    auto creditor_itr = c.find(owner);
+    if(creditor_itr->balance != balance) {
+      c.modify(creditor_itr, ram_payer, [&](auto &i) {
+        i.balance = balance;
+        i.updated_at = now();
+      });
+    }
+    return balance;
   }
 
   //rotate active creditor
@@ -59,7 +69,7 @@ namespace utils
     auto idx = c.get_index<N(updated_at)>();
     auto itr = idx.begin();
     asset free_balance = get_balance(free_creditor);
-    asset paid_balance = get_balance(free_creditor);
+    asset paid_balance = get_balance(paid_creditor);
     auto free_rotated = free_balance.amount > MIN_CREDITOR_BALANCE ?TRUE:FALSE;
     auto paid_rotated = paid_balance.amount > MIN_CREDITOR_BALANCE ?TRUE:FALSE;