Never used it.
How!?
Does your loan box refresh all the time?
No, if you click on the [check] link to the right of the credit number at the top right of the page, it will take you to your banking page. There should be a bar on the top that looks something like this:
Checking: 2,350 Credits | Savings: XXX Credits | Rating: XXX
What's the number by "Rating"?