Credit Defense
Instructions
Your goal is to survive for as many waves as possible. Endless waves of slime, mushrooms, and stone golems will challenge your defenses.
During a wave, you earn gold and spend it to make your tree stronger. Defeat monsters to earn gold. Tougher monsters drop more gold than weaker ones. Bosses drop the most. Use gold to buy upgrades from the panel on the right. Attack upgrades help the tree deal damage, Defense upgrades help it take damage, and Utility upgrades help you earn more gold. Once you have spells, press 1 to 6 to cast them. Each spell is ready again at the start of every wave.
Using your earnings and wise debt management, survive for as long as you can. When your tree's health reaches zero, the run ends... but it's NOT game over! The first time you lose, a lender offers you a credit card to save your tree. This will unlock the ability to purchase upgrades using your credit card when you don't have enough gold. This will also unlock your FICO score (more on this later).
Every third wave, a lender may offer you a loan of gold or a spell. Accepting any offer lowers your credit score for a few waves.
The top of the side panel shows three numbers:
- Gold (yellow): how much gold you have.
- Credit available (blue): how much more you can charge to your card.
- Debt (red): everything you owe, which includes both your credit card and any loans
After each wave, you'll see a "Repay Debts" screen that lists every debt you owe, along with its interest rate and minimum payment. Drag the slider next to each item to choose how much gold to pay, or click one of the four buttons at the top:
- Pay minimums: pay the minimum amount on each debt without incurring a late fee. This will result in more interest paid next wave.
- Pay the bill: pay off your full credit card balance plus the fixed payment on each loan. This button is grayed out if you don't have enough gold.
- Pay max: pay using all the gold you have, starting with the debt that has the highest interest rate.
- Skip payments: don't pay anything.
When a run ends, you earn Rings and XP. Spend Rings in the Upgrade Shop on permanent upgrades so you can be stronger on your next run. XP raises your level, which unlocks new upgrades, lenders, and spells.
Spells are special attacks you get by taking out a spell loan. A spell lender may visit every third wave and offer you a spell, such as Frost, Meteor or Chain Lightning. If you accept, you unlock the spell and pay for it over 12 waves. If you skip the payment on a spell loan for two waves in a row, the lender takes the spell back.
Your spells are at the bottom of the screen. Press 1 to 6 to cast them, or click on them, then click on any enemies you want to use them on. After you cast a spell, you have to wait for it to recharge. Every spell has a different recharge or "cooldown" time. Using spells when the time is right is crucial to surviving many waves.
Your FICO score --- also known as your credit score --- ranges from 300 to 850. Click the score at the bottom right corner of the screen to see your Credit Report. This shows what helps or hurts your credit. A higher score gets you better loan offers, lower interest rates, more gold per monster and more Rings at the end of a run. To raise your FICO score, pay at least the minimum on time, keep your card balance under 30% of its limit and avoid accepting every loan offer.
Your goal is to survive for as many waves as possible. Endless waves of slime, mushrooms, and stone golems will challenge your defenses.
During a wave, you earn gold and spend it to make your tree stronger. Defeat monsters to earn gold. Tougher monsters drop more gold than weaker ones. Bosses drop the most. Use gold to buy upgrades from the panel on the right. Attack upgrades help the tree deal damage, Defense upgrades help it take damage, and Utility upgrades help you earn more gold. Once you have spells, press 1 to 6 to cast them. Each spell is ready again at the start of every wave.
Using your earnings and wise debt management, survive for as long as you can. When your tree's health reaches zero, the run ends... but it's NOT game over! The first time you lose, a lender offers you a credit card to save your tree. This will unlock the ability to purchase upgrades using your credit card when you don't have enough gold. This will also unlock your FICO score (more on this later).
Every third wave, a lender may offer you a loan of gold or a spell. Accepting any offer lowers your credit score for a few waves.
The top of the side panel shows three numbers:
- Gold (yellow): how much gold you have.
- Credit available (blue): how much more you can charge to your card.
- Debt (red): everything you owe, which includes both your credit card and any loans
After each wave, you'll see a "Repay Debts" screen that lists every debt you owe, along with its interest rate and minimum payment. Drag the slider next to each item to choose how much gold to pay, or click one of the four buttons at the top:
- Pay minimums: pay the minimum amount on each debt without incurring a late fee. This will result in more interest paid next wave.
- Pay the bill: pay off your full credit card balance plus the fixed payment on each loan. This button is grayed out if you don't have enough gold.
- Pay max: pay using all the gold you have, starting with the debt that has the highest interest rate.
- Skip payments: don't pay anything.
When a run ends, you earn Rings and XP. Spend Rings in the Upgrade Shop on permanent upgrades so you can be stronger on your next run. XP raises your level, which unlocks new upgrades, lenders, and spells.
Spells are special attacks you get by taking out a spell loan. A spell lender may visit every third wave and offer you a spell, such as Frost, Meteor or Chain Lightning. If you accept, you unlock the spell and pay for it over 12 waves. If you skip the payment on a spell loan for two waves in a row, the lender takes the spell back.
Your spells are at the bottom of the screen. Press 1 to 6 to cast them, or click on them, then click on any enemies you want to use them on. After you cast a spell, you have to wait for it to recharge. Every spell has a different recharge or "cooldown" time. Using spells when the time is right is crucial to surviving many waves.
Your FICO score --- also known as your credit score --- ranges from 300 to 850. Click the score at the bottom right corner of the screen to see your Credit Report. This shows what helps or hurts your credit. A higher score gets you better loan offers, lower interest rates, more gold per monster and more Rings at the end of a run. To raise your FICO score, pay at least the minimum on time, keep your card balance under 30% of its limit and avoid accepting every loan offer.
How to play Credit Defense on your phone
Did you know you can also play Credit Defense on your phone? It’s a great way to play without worrying about losing your save data.
For iOS devices, simply tap the "Share" icon 
in Safari and select "Add to Home Screen". For Android devices, tap the “Menu” icon 
and select "Install App".
Instructions
Your goal is to survive for as many waves as possible. Endless waves of slime, mushrooms, and stone golems will challenge your defenses.
During a wave, you earn gold and spend it to make your tree stronger. Defeat monsters to earn gold. Tougher monsters drop more gold than weaker ones. Bosses drop the most. Use gold to buy upgrades from the panel on the right. Attack upgrades help the tree deal damage, Defense upgrades help it take damage, and Utility upgrades help you earn more gold. Once you have spells, press 1 to 6 to cast them. Each spell is ready again at the start of every wave.
Using your earnings and wise debt management, survive for as long as you can. When your tree's health reaches zero, the run ends... but it's NOT game over! The first time you lose, a lender offers you a credit card to save your tree. This will unlock the ability to purchase upgrades using your credit card when you don't have enough gold. This will also unlock your FICO score (more on this later).
Every third wave, a lender may offer you a loan of gold or a spell. Accepting any offer lowers your credit score for a few waves.
The top of the side panel shows three numbers:
- Gold (yellow): how much gold you have.
- Credit available (blue): how much more you can charge to your card.
- Debt (red): everything you owe, which includes both your credit card and any loans
After each wave, you'll see a "Repay Debts" screen that lists every debt you owe, along with its interest rate and minimum payment. Drag the slider next to each item to choose how much gold to pay, or click one of the four buttons at the top:
- Pay minimums: pay the minimum amount on each debt without incurring a late fee. This will result in more interest paid next wave.
- Pay the bill: pay off your full credit card balance plus the fixed payment on each loan. This button is grayed out if you don't have enough gold.
- Pay max: pay using all the gold you have, starting with the debt that has the highest interest rate.
- Skip payments: don't pay anything.
When a run ends, you earn Rings and XP. Spend Rings in the Upgrade Shop on permanent upgrades so you can be stronger on your next run. XP raises your level, which unlocks new upgrades, lenders, and spells.
Spells are special attacks you get by taking out a spell loan. A spell lender may visit every third wave and offer you a spell, such as Frost, Meteor or Chain Lightning. If you accept, you unlock the spell and pay for it over 12 waves. If you skip the payment on a spell loan for two waves in a row, the lender takes the spell back.
Your spells are at the bottom of the screen. Press 1 to 6 to cast them, or click on them, then click on any enemies you want to use them on. After you cast a spell, you have to wait for it to recharge. Every spell has a different recharge or "cooldown" time. Using spells when the time is right is crucial to surviving many waves.
Your FICO score --- also known as your credit score --- ranges from 300 to 850. Click the score at the bottom right corner of the screen to see your Credit Report. This shows what helps or hurts your credit. A higher score gets you better loan offers, lower interest rates, more gold per monster and more Rings at the end of a run. To raise your FICO score, pay at least the minimum on time, keep your card balance under 30% of its limit and avoid accepting every loan offer.
How to play Credit Defense on your phone
To play Credit Defense easily any time, you can add it directly to your phone as an app. It’s a great way to play without worrying about losing your game save data.
For iOS devices, simply tap the "Share" icon in Safari and select "Add to Home Screen". For Android devices, tap the “Menu” icon and select "Install App".