Ah. It unlocks different options to raise <a href="/wiki/Spending_Secrets_and_Counting_the_Days_(Guide)" title="Spending Secrets and Counting the Days (Guide)">Spending Secrets and Counting the Days</a> and determines what rewards you can get from <a href="/wiki/Secrets_and_Spending" title="Secrets and Spending">Secrets and Spending</a> for your <a href="/wiki/Mark_of_Credit_Page" title="Mark of Credit Page"><img alt="" src="/w/images/thumb/6/66/Papers2.png/20px-Papers2.png" decoding="async" width="20" height="26" srcset="/w/images/thumb/6/66/Papers2.png/30px-Papers2.png 1.5x, /w/images/thumb/6/66/Papers2.png/40px-Papers2.png 2x" /></a> <a href="/wiki/Mark_of_Credit_Page" title="Mark of Credit Page">Mark of Credit Page</a>. I think that's it.