Credits can be used to upgrade your account.
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There are different types of upgrade tokens that will grant different effects. They will appear in your inventory after purchase. Tokens can be applied to your account at any time, traded, or sold to other players like any other item. Once applied to your account (you can apply it from your den), a token will grant upgrade benefits for however long the token is good for. The upgrade time cannot be moved, transferred, or paused once it has been applied.