If you’ve ever been locked out of a ranked queue with a vague penalty notice, or denied access to a squad tournament you spent weeks practicing for, you’ve probably run into issues with your Mobile Legends credit score. Most casual players never think to check this hidden account metric, until it starts messing with their ability to play the game modes they love. Today we’re walking through exactly how to see your credit score in Mobile Legends, what affects it, and how to keep it high enough to avoid frustrating penalties.
How to See Your Credit Score in Mobile Legends in 3 Quick Steps
Finding your credit score takes less than a minute once you know where to look, and you don’t need any special account permissions to access it. The process is the same for both Android and iOS devices, and works for all accounts that have reached level 10 or higher:
- Open the Mobile Legends app and load into the main lobby. Tap your profile icon in the top left corner of the screen, right next to your in-game name.
- Scroll through the sidebar menu on the left side of your profile page until you find the tab labeled “Credit”. It usually sits right below the “Battle” tab and above the “Settings” tab.
- Tap the “Credit” tab to load your credit score dashboard. Your current score is displayed in large text at the top of the page, with a full breakdown of recent deductions, additions, and penalty history below.
You can also tap on individual entries in your penalty history to see exactly what caused a deduction, which match it was tied to, and how long any active penalties will last. Your credit score refreshes in real time, so any new penalties or points you earn will show up immediately after a match ends, no restart required. If you don’t see the “Credit” tab, make sure you’ve updated your game to the latest version, as older app versions may not support the full credit score dashboard. It’s a good habit to check your credit score every week even if you haven’t had any penalties, just to make sure you’re not at the 90 point threshold before you join a ranked queue.
Why Your Mobile Legends Credit Score Matters More Than You Think
A lot of players write off the credit score system as just another unnecessary Moonton feature, but it actually controls access to almost every core part of the game. The score ranges from 0 to 100, and different thresholds unlock or restrict different features, so even a small drop can have a big impact on your gameplay.
At 90 points or higher, you have full access to all game modes, including ranked, classic, brawl, custom tournaments, and squad matches. Drop below 90, and you’ll be locked out of ranked play entirely until you build your score back up. Drop below 80, and you’ll lose access to squad matches, event-exclusive modes, and most community tournaments. Even a single 5-point deduction can knock you out of ranked eligibility if you were hovering at 90, which is a huge blow if you were close to hitting your next rank tier.
There are also perks to keeping a perfect 100 score. Players with 100 credit score get a small weekly reward bundle that includes battle points, a random skin trial card, and a double BP boost card. It’s not a massive prize, but it’s a nice bonus for playing fairly, and it adds up over time. If your score drops below 60, you risk a temporary account suspension, and repeated violations that push your score under 40 can lead to a permanent ban. If you’ve had multiple recent penalties, you can track your progress building back up every time you see your credit score after a match.
Common Reasons for Credit Score Deductions (And How to Fix Them)
Credit score deductions aren’t handed out randomly, and every penalty is tied to a specific violation of Moonton’s in-game rules. Most deductions are minor and easy to avoid once you know what to watch for, but some can set you back weeks if you’re not careful.
The most common cause of deductions is leaving a match early or going AFK mid-game. This gets you between 4 and 10 points deducted per offense, depending on how many times you’ve done it in the past 7 days. Intentional feeding, verbal harassment, hate speech, or spam in chat will get you 3 to 8 points deducted if you’re reported by multiple teammates and the system verifies the report. Dodging a ranked match during the pick/ban phase will cost you 2 to 3 points per dodge, even if you left because you got a role you didn’t want. The harshest deductions come from using third-party mods, map hacks, or account boosting services, which can take 20 or more points off your score in one go, and often come with an immediate temporary ban.
First-time minor offenses usually come with a smaller deduction, but repeat violations within 7 days lead to double penalties, so a single AFK can cost you 10 points instead of 4 if you already have a recent penalty.
Fixing a low credit score is pretty straightforward. For every full match you finish without any violations, you earn 1 credit point, up to a maximum of 5 points per day. That means even if you drop to 80, you can get back to 100 in just 4 days if you max out your points every day. If you think you got a wrongful deduction, you can submit an appeal directly through the credit score dashboard by tapping the “Appeal” button next to the penalty entry. Keep in mind that appeals are only approved if the penalty was caused by a Moonton server error, not your own internet outage or phone dying mid-match. Appeals usually take 24 to 48 hours to process, so you won’t get an immediate reversal even if your claim is valid.
Simple Tips to Maintain a Perfect 100 Credit Score Long Term
Keeping your credit score at 100 doesn’t require any extra effort, just a little bit of planning before you jump into matches. I’ve kept my own score at 100 for almost two years now, and these are the small habits that make it easy:
First, always check your internet connection before joining a ranked match. If your data is cutting in and out, switch to a stable wifi connection, or stick to casual brawl matches that don’t come with harsh penalties if you disconnect. If you know you have an appointment or chore coming up in the next 20 minutes, don’t start a ranked match, as most matches last between 15 and 25 minutes. Muting toxic teammates takes 2 seconds, and saves you from risking a 5-point credit score deduction for verbal harassment, even if you’re only responding to their insults. The system doesn’t care who started the argument, it only picks up on negative language from all parties, so muting is always the safer option.
If you do accidentally disconnect mid-match, try to rejoin as soon as possible. If you rejoin before the match ends and play until the final screen, you usually won’t get any deduction at all, even if you were gone for a few minutes. You can set up a pre-match reminder on your phone to avoid forgetting upcoming appointments that would force you to leave a match early, which eliminates almost all accidental AFK penalties.
Finally, never lend your account to other people, even friends or family members. If they break the rules, go AFK, or use toxic chat, your credit score takes the hit, and Moonton won’t reverse penalties just because someone else was using your account. It’s also a good idea to enable two-factor authentication on your account to prevent unauthorized access, which can also lead to unexpected credit score drops if someone else logs in and plays on your account without permission.
At the end of the day, the Mobile Legends credit score system is designed to keep matches fair and fun for everyone, not to punish players for small mistakes. Now that you know how to see your credit score in Mobile Legends, you can check it once a week to make sure you’re not at risk of losing access to ranked play or other features. Even if you have a low score right now, building it back up is fast and easy as long as you play fairly and avoid common violations. I once dropped my score to 87 after a surprise power outage during a ranked match, and I got it back to 100 in just 3 days by playing a few casual matches a day, so you don’t have to stress if you have a small deduction.