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Credit Score Tower
Twelve months, one credit card. Pay bills, handle surprises and see which habits build a higher credit score and which make it wobble.
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Frequently asked questions
What affects a credit score the most?
In most systems the biggest factors are paying on time and how much of your available credit you use. Length of history, new applications and the mix of credit matter less.
Does paying only the minimum hurt my score?
Paying the minimum on time avoids a late mark, but a high balance keeps your utilization high and costs interest, which holds the score back.
Does closing an old card help?
Usually not. It can shorten your credit history and reduce your total available credit, which can lower your score.
Is this financial advice?
No. The game uses a simplified model. Real credit scores differ by country and lender.