[Intro]
Credit, credit, credit — you want it, but you don’t get it.
Credit, credit, credit — love ain’t no debit.
(Yeah, yeah, you know it’s fake—)
이건 감정의 거래지, not romance.

[Verse 1]
You talk like you mean it,
but your words got hidden fees.
“사랑해”란 말 또 날아와,
zero trust, just guarantees.

You make love like investment,
감정도 계산으로 쳐.
매번 쌓이는 regret,
I’m tired of your cliché.

[Pre-Chorus]
You say you’ll give me back someday,
그 약속은 pending 상태, babe.
I’m checking signals night and day,
but love don’t ever pay.

[Chorus]
Credit, credit — love on limit.
너한텐 감정이 장난이지, admit it.
Credit, credit — check your balance.
다 타버린 마음, no more allowance.
Credit, credit — we’re so synthetic.
Love’s a number, not poetic.

[Post-Chorus]
(Ah) swipe, swipe, nothing left to show.
(Ah) fine line, between love and loan.
(Ah) you owe, you owe, but never own.
(Ah) credit, credit — now it’s gone.

[Verse 2]
Swipe my heart, declined again.
너의 말은 공허한 promise, pretend.
Fake smiles, new excuses,
우리 둘 다 환불 없는 misuse.

You say “trust me,” but your tone so cold,
차가운 목소리, no warmth to hold.
I’m not your treasure, I’m not your gold,
이 사랑엔 story도 없지.

[Hook / Drop-in before rap]
Credit, credit — we don’t feel it.
Credit, credit — lost the meaning.
너는 내 마음 위를 뛰어놀지,
I’m just counting what’s left of me.
(Yeah, yeah — pay me emotionally.)

[Rap Verse]
Uh,
Limit gone, I’m in minus,
너의 말은 virus —
Touch me once, I’m priceless,
then you sell that silence.

Fake smile, cold touch,
계산된 네 empathy,
I’m overdosed, I’m overseas,
사랑은 currency, but you spent me.

Drip in moments, no refund,
너의 kiss는 empty bluff.
Got my heart in your hands,
but the label said “no cash back.”

You call it love, I call it scheme,
All in red like a late fee dream.
너는 이득만 챙기고 flee,
I’m the cost of your luxury.

[Re-Hook / Post-Rap Drop]
Credit, credit — love on fire.
우린 타버린 거래의 buyer.
Credit, credit — love expired.
You’re the fraud, and I’m the wire.
(credit, credit) pay me back —
(credit, credit) fade to black.

[Bridge / Breakdown]
너는 또 빚내서 사랑해, babe.
(credit, credit)
나는 감정만 쌓여가네.
(credit, credit)
기억도 만료일이 있대,
but ours is way too late.
Love’s a business, you can’t fake it,
널 믿은 내 잘못이지.
All your kisses, counterfeit it,
이젠 거래 종료지.

[Outro]
Credit — no limit, no feeling.
텅 빈 마음 속엔 기억만 잔뜩.
Credit — we lost the meaning.
남은 건 흔적뿐이야.
Fade out, fade slow, like unpaid loan.
Credit, credit — you’re long gone.