Overview
| Field | Value |
|---|---|
| Name (EN) | Credit Card |
| Name (JP) | クレジットカード |
| Rarity | Common |
| Cost | $1 |
| Effect | Allows your money to go down to -$20 |
| Unlock | Available from the start (no unlock required) |
| Trigger Type | Passive (economy floor extension) |
| Overall Tier | B (B+ in economy / Ectoplasm builds) |
Rating & Analysis
Credit Card lets your money go down to -$20 — an emergency buffer Joker. At Common $1, the cheapest pickup in the game. Doesn't generate income or damage directly, but enables aggressive shop spending and saves runs in tight spots.
The dream usage is as Ectoplasm insurance. Ectoplasm Negative-ifies a Joker but resets money to $0. With Credit Card, you can immediately go negative again to buy whatever you missed. Antimatter ($13) + strong Joker combos become reachable when funds are short.
Investment Tag previews ~$25-50 income — pre-spend with Credit Card, repay from Tag. Seed Money / Money Tree raise the interest cap, smoothing long-term cash flow. Tier lists rate B overall, B+ in economy / Ectoplasm builds. $1 is theft for the flexibility, but requires economic discipline.
Deck Ratings
| Deck | Rating | Notes |
|---|---|---|
| Yellow | B+ | Backstop in economy axis |
| Ghost | B | Spectral / Ectoplasm synergy |
| Green | B | No interest, but emergency value remains |
| Red / Blue | B | Standard insurance use |
| Black | B | +1 slot — economy axis expansion |
Good Joker Synergies
| Joker | Why |
|---|---|
| Ectoplasm | Resets money to $0 — Credit Card lets you go negative for shop spend. |
| Antimatter | Cost $13 — Credit Card enables purchase under tight funds. |
| Golden Joker | $4/round — services Credit Card debt. |
| Bull | Held money → +Mult — doesn't trigger when negative; manage carefully. |
| Bootstraps | Same — manage carefully. |
| Seed Money / Money Tree | Interest cap up — long-term cashflow. |
Recommended Builds
| Build | Core Loop | Target Consumables |
|---|---|---|
| Ectoplasm axis | Credit Card + Ectoplasm + Negative Tag | Negative Tag |
| Antimatter purchase | Credit Card enables forced Antimatter buy | Antimatter |
| Emergency insurance | Credit Card + Golden Joker for cash flexibility | Strong tags |
| Investment forward | Credit Card debt → Investment Tag repayment | Investment Tag |
Tips & Usage
- Buy for $1 and hold as insurance.
- Secure Credit Card before Ectoplasm to bypass the $0 reset.
- Bull / Bootstraps don't fire on negative money — manage carefully.
- Use to force-buy Antimatter when funds are short.
- Pre-spend when Investment Tag income is queued.
Caveats
- Bull / Bootstraps don't trigger on negative money (Mult = 0).
- Interest only accrues on $0+ balances — no interest on debt.
- Perishable still works as insurance; Rental adds money pressure.
- Eternal Credit Card is fine — $1 sunk cost is trivial.
- Hard cap of -$20 — plan purchases within the limit.