If you’ve ever tried to queue for a Mobile Legends ranked match only to get hit with a pop-up saying you’re ineligible due to low credit score, you know how frustrating that surprise can be. Many new players don’t even realize this score exists until they’re locked out of their favorite game modes, and that confusion usually leads to missed ranked rewards or temporary account penalties. Learning how to check your credit score in Mobile Legends is the first step to avoiding these headaches, and it only takes a few seconds once you know where to look. I’ve helped dozens of my squad mates fix their low credit scores over the years, and most of them had no idea they could check their rating in less than three taps.
How to Check Your Credit Score in Mobile Legends in 3 Quick Steps
You don’t have to dig through 10 different settings menus to find your credit score, even if the option is a little hidden for new players. I walk through these steps every time I help a new player fix their account restrictions, and most people are shocked at how simple it is:
That’s all there is to it. I recommend checking this page at least once a week if you play ranked regularly, especially if you’ve had spotty internet or run into toxic matches recently. You don’t want to find out your score dropped right when you’re about to queue for a rank up game with your friends.
What Your Mobile Legends Credit Score Actually Means
Moonton introduced the credit score system to cut down on toxic behavior, AFK players, and intentional feeding that was ruining matches for casual players. It’s not just a random number: it directly impacts what game modes you can access, what rewards you can earn, and even whether your account stays active long term. The score ranges from 0 to 110, and each range comes with its own set of perks or penalties.
You need a minimum 90 credit score to access ranked matches, which is the threshold most players care about most. If your score is between 80 and 89, you can still play classic, brawl, and arcade modes, but you’ll be locked out of ranked until you raise your score. Scores below 80 lock you out of classic mode too, and scores below 60 can lead to temporary account bans that last anywhere from 24 hours to 30 days. If your score hits 0, your account will be permanently suspended, no exceptions.
On the positive side, scores above 100 come with small but useful perks. You’ll get extra battle points for every match you complete, free emblem fragments every week, and even a small priority boost in match queues to cut down on wait times. I’ve kept my score at 110 for the past two years, and those extra battle points add up to enough to buy one new hero every couple of months without spending any diamonds.
Common Reasons Your Credit Score Drops (And How to Fix Them)
Most score drops aren’t random, even if it feels that way at first. Moonton’s automated system flags and penalizes specific behaviors, and valid reports from other players will almost always lead to a score reduction if you actually violated the community guidelines. The most common reasons for a score drop include leaving a match before it ends, going AFK for more than 2 minutes during a match, sending abusive or hate speech in chat, intentionally feeding or throwing the match, and repeatedly canceling queue during draft pick.
The good news is that raising your credit score is just as easy as checking it, as long as you avoid bad behavior. You earn 1 credit point per completed normal match where you don’t get reported or penalized for any reason, and you can earn no more than 5 points per day. That means if your score is 85 and you need to hit 90 to play ranked, you can get there in one day of playing 5 full classic or brawl matches without any issues.
What if you got penalized for something that wasn’t your fault? For example, if Moonton’s servers crashed mid-match and you got hit with an AFK penalty, you can submit an appeal through the customer service tab on the credit score page. Just note that appeals are only approved if the system detects a server-side error, not if your own home internet cut out or you lost power mid-match. I’ve only had one appeal approved in 5 years of playing, so don’t count on that as a regular fix for low scores.
Pro Tips to Keep Your Credit Score Above 100 Long Term
Keeping your credit score high doesn’t require any extra work once you build a few small habits, and it saves you so much frustration down the line. The first and most important tip is to never start a match if you know you might have to leave early. I see so many players queue for a 20 minute ranked match 10 minutes before their dinner is ready or their bus is supposed to arrive, and that’s the easiest way to get an AFK penalty.
If you have spotty internet, run the in-game ping test before you queue for any match. You can find this test in the settings menu under the "Network" tab, and it will tell you if your connection is stable enough to play without disconnecting. If your ping is above 120ms consistently, stick to brawl matches instead of ranked, since they’re shorter and less high-stakes if you do disconnect.
Mute toxic teammates immediately if they start sending abusive messages, instead of arguing back. Even if the other player starts the fight, Moonton’s system will penalize both of you if you send hate speech back. I mute all team chat by default now when I play ranked, and it’s cut my number of reports down to zero over the past year.
If you do get disconnected mid-match, try to rejoin as fast as possible, even if the match is almost over. You won’t get an AFK penalty if you rejoin and finish the match, even if your team is already losing badly. It’s not worth losing a credit point just because you don’t want to sit through a losing match for 5 more minutes. You can also enable the low-data mode in settings if you’re playing on mobile data, to reduce the risk of unexpected disconnects during peak hours.
Now that you know how to check your credit score in Mobile Legends, you don’t have to worry about unexpected ranked bans or missed rewards ever again. It only takes 10 seconds to check your score once a week, and that small habit will save you hours of frustration grinding to raise your score back up after a penalty. I still check my score every Sunday night before I start my weekly ranked grind, and it’s saved me from wasting time queuing when I had a random penalty from a disconnected match I forgot about. Keep these tips in mind, and you’ll be able to keep your score high enough to access every game mode and earn all the extra perks that come with a great credit rating.