LADDER OF CREDIT
A terrible visual aid used to show that paying on time helps your credit score. Usually includes a ladder and people who look like they just got into a fight with a coffee cup.
'So, the ladder... it goes up... when you don’t forget to pay... like... when you’re not hungover.'
Customer: 'Is this a ladder of credit or a ladder of regret?'
Manager drew a ladder. Customer: 'I’ve seen better ladders at a construction site.'