The ending count in steal moms credit card has grown past the original 17, and the two newest ones sit behind the same hidden route. Both the reality ending and the decoded ending start with a bomb, a barricaded road, and a beam of light, and both finish in a turn-based fight against the person who supposedly built the world. The only thing separating them is whether you win that fight or throw it.
Quick answer: Buy the $35 bomb, blow open the barricaded road, jump into the light beam with Illy, then win the battle against rynscripted for the reality ending (19/19) or lose it for the decoded ending (18/19).
Where the run starts in steal moms credit card
Every run opens the same way. Finchley wakes up in his bedroom expecting bobux for a perfect math test score, the objective points you to the kitchen, and Mom admits she lied because the family cannot afford it right now. You can start a session from the game’s Roblox page, and nothing about the credit card matters for these two endings, so you can skip the living room entirely.
What you do need is money. Head outside and sweep the neighborhood for loose tix scattered on sidewalks, park benches, trash cans, and around the bases of trees. The bomb costs $35, so keep collecting until you clear that number.
How to reach the creator’s room (shared path)
This sequence is identical for both endings. Run it once, and the only decision left is how the fight ends.
Decide which ending you want before the first turn. The fight is the fork, and the two outcomes are awarded on the spot.
Reality ending (19/19): Win the turn-based battle
Winning is a matter of repetition rather than clever team building. On your turns, keep casting bobux ray and bobux surge at ryn’s team until every enemy is down. There is no phase change to plan around, so simply cycle those two attacks.
Once the enemy team is wiped, rynscripted concedes and sends you out through a black hole into the real universe. The cutscene drops you into an office cubicle, and the reality ending screen appears as ending 19/19.
Decoded ending (18/19): Lose the battle on purpose
For the other half of the pair, run the same route and then throw the fight. Instead of attacking, spend your turns on passive buffs such as bobux crash and let the enemy team chip your health away until your team hits zero.
After the team is wiped out, rynscripted eliminates you as punishment for the loss, and a black void forms beneath your characters. The display then fades to black and reveals decoded ending 18/19, stating that the world’s creator defeated you and adding, “how sad.” The corresponding badge appears as well.
Reality vs decoded ending: Requirements compared
| Ending | Number | Battle outcome | Final scene |
|---|---|---|---|
| Reality ending | 19/19 | Defeat ryn’s team | Black hole to an office cubicle |
| Decoded ending | 18/19 | Team health hits zero | Black void, black screen message |
Both require the bomb purchase, the destroyed roadblock, and the trip through the light beam, so the cheapest way to collect the pair is to run the route twice back to back.
How to confirm the ending unlocked
Each ending closes with a named screen and a Roblox badge notification. Look for the ending title and its number in the corner, the same way older endings display theirs, and check that the badge popup fires before you leave the server.
The endings menu on the main screen is the other check. It tracks your total, and the counter now reads out of 19 rather than the old 17, so the earlier endings you already own sit alongside these two.
If you are chasing a full completion, treat the light beam route as its own mini-campaign rather than a variation on the gift card endings. Nothing you do with Mom’s card, the shovel, the trapdoor key, or the trivia quiz feeds into it, and the entire chain from bomb to battle takes only a few minutes once you know where the $35 goes.
