# cNFT benefits for user ![](https://1888623400-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIkBpl0Jl7LkylvgjTcLr%2Fuploads%2Fqr1VneAeDkOTG90btoMd%2FE24SxpsXwAgSxii.jfif?alt=media\&token=54f39d69-0f21-4b72-8d64-56ce8094236e)

cNFT Level	Free Claimable CREDA (Locked) Token as % of Credit Score	Increased Saving Rate (based on Credit Score)	Reduced Borrowing Rate (based on Credit Score)
None	10%	0%	0%
1	14%	+1% to +2.5%	-1% to -2.5%
2	20%	+2% to +5%	-2% to -5%
3	28%	+5% to +7.5%	-5% to -7.5%
4	38%	+7.5% to +10%	-7.5% to -10%
5	50%	+10% to +15%	-10% to -15%

{% hint style="info" %} A cNFT that is burned within 90 days of minting will receive back locked CREDA tokens \ A cNFT that is burned after 90 days of minting will receive back unlocked CREDA tokens {% endhint %}