Credit Card

Credit Card is an item that reduces the upgrade (both enhancing and while unmentioned, enchanting) cost when using Anvils and makes Anvils appear more often. The item is unlocked upon finding an Anvil. The item will be unlocked regardless if the player wins or loses the run and regardless if the player uses the Anvil or not.

Upgrades

Credit Card

Level 1

Cost of enhancing is reduced by 20% and anvils appear 20% more often.

Level 2

Cost of enhancing is reduced by 25% and anvils appear 40% more often.

Level 3

Cost of enhancing is reduced by 30% and anvils appear 60% more often.

Level 4

Cost of enhancing is reduced by 35% and anvils appear 80% more often.

Level MAX

Cost of enhancing is reduced by 40% and anvils appear twice as often.

Super Credit Card

Level MAX

Cost of enhancing is reduced by 50% and anvils appear twice as often. At every minute, an anvil will appear.

Mechanics

Drop chance

The new drop rate can be calculated using the formula:

[Toggle display]
dropChance = 1/(floor(1300 * (1 - dropChanceBuff)) + 1)

where dropChanceBuff at each level is given as:

Level	dropChanceBuff
1	0.18
2	0.28
3	0.38
4	0.45
5 & Super	0.5

Due to the values being given to accuracy of two decimals, the actual drop rate increases slightly vary from the values given in the description:

Level	Description	New drop rate	Actual increase
1	20%	1/1067	21.9%
2	40%	1/937	38.8%
3	60%	1/807	61.2%
4	80%	1/716	81.7%
5 & Super	100%	1/651	99.8%

Free Anvil

Despite not being mentioned in the description, all levels of Credit Card cause a free Anvil to drop after a randomized time interval in addition to increasing the drop chance. The minimum and maximum times between these Anvil spawns are reduced with each upgrade:

Level	Min time (s)	Max time (s)
1	120	240
2	105	210
3	90	180
4	75	150
5	60	120
Super	60	60

History

For full list of changes, see Changelog.

0.5 Release

Adjusted the randomness after taking Credit Card.
- Now occasionally causes a free anvil to spawn.^{[Undocumented]}
Weight reduced from 4 to 3.^{[Undocumented]}
Added Super variant.