To make the risks of credit misuse a reality, this interactive game simulates a decision-making scenario, in which the student must decide what to spend, and how much. The game consists of three stacks of cards. Each stack represents a different credit card: A Department Store Card, Visa, and Mastercard. Rolling the die for each stack, the student accumulates a set amount of charges. After each roll, the student must decide if they would like to roll again, if they are within the limit on that card. Like credit cards, the game offers 'perk points' when you accumulate a certain amount on your credit card.
After rolling for each card, the student proceeds to the second phase of the game, which is comparing their credit charges with their fixed monthly expenses. Depending on how the student spent, they will either be able to pay for their credit charges at the end of the month, or have to configure a debt payment plan. Phase three evaluates how long it will take for the student to pay off their debt. Unfortunately, they have lost the game, but they are provided with educational materials, as well as a great learning experience in a forgiving environment.