Mom's Credit Card
by spicydyce
Mom's Credit Card is a Forge horror mod in which a relentless entity called Mom chases the player once the card is used, with custom sounds and an inventory-wiping pursuit.
What it does
Right-clicking the Mom's Credit Card item summons Mom, a chasing entity that finds the player wherever they hide and sees through walls. Once she spawns, the player has to run, hide or fight, because the chase does not end until she takes everything in the inventory. The card is crafted in the game and includes a recipe gallery tab for checking the recipe.
Mom breaks torches and light sources as she moves, which plunges the surroundings into darkness and applies a blindness effect when she destroys one. Doors do not stop her, since she breaks through them instantly. A dynamic chase music track and custom sounds raise the tension while she is near. The mod contains mild profanity in one voice line, and the author advises player discretion.
The mod runs on the client and on the server, so the server and every player need it. Files are published for Forge only, for six game versions, under the MIT License, which is not open source. The latest Forge file is 1.0.0 for 1.20.6, published on 2025-02-11, the same day the mod was first published.
Key features
Mom entity
A relentless chasing entity that follows the player and sees through walls once she has spawned.
Instant inventory wipe
When Mom catches the player, she takes everything from the inventory in one event.
Torch-breaking and door-breaking AI
Mom destroys light sources and breaks through doors, so walls and doors offer little protection.
Blindness effect and chase music
Breaking a light source darkens the player's vision, and a dynamic chase track with custom sounds plays during the pursuit.
Gallery
Compatibility
Latest build for each game version and loader.
Only full game releases are shown. This mod publishes no snapshot builds.
Use cases
Horror survival sessions
Players who want a short scare in a survival world can craft the card and test how long they last against the chase.
Who it’s for: Players who enjoy horror content in Minecraft, and server owners who want a cursed event that the whole server can experience together.
How it compares
The Nightmare 000 and Nocturnia are both Forge horror mods for 1.20.1, and both run on the client and server. Mom's Credit Card is also a Forge mod, so the two share a loader, but it is published for six game versions instead of one. The Cursed Heart is a Forge mod for 1.20.1 with the same environment, released under All rights reserved and not open source.
| Mod | Loaders | Game versions | Environment | Updated |
|---|---|---|---|---|
| Mom's Credit Card | Forge | 1.20.1 – 1.20.6 | Client and server | 2025-02-11 |
| The Nightmare 000 | Forge | 1.20.1 | Client and server | 2025-08-04 |
| Nocturnia | Forge | 1.20.1 | Client and server | 2025-08-13 |
| The Cursed Heart | Forge | 1.20.1 | Client and server | 2025-08-04 |
Questions
Does Mom's Credit Card need to be installed on the server?
Which loader does Mom's Credit Card use?
Can Mom be stopped by walls or doors?
In the catalog
Mom's Credit Card is one of 7,555 Cursed mods on ModsFinder, and one of 3,426 Cursed mods for Forge. 11,154 mods support Minecraft 1.20.6.
More from spicydyce
Similar mods
What the author says
Be careful when using Mom’s Credit Card… because she WILL come for you! 😱 Mom’s Credit Card is a terrifying horror mod that brings a new nightmare to Minecraft. If you dare to right-click Mom’s Credit Card, prepare yourself—because she’s coming… and she won’t stop until she takes everything from you.
Official listing
- Modrinth page
- modrinth.com/mod/moms-credit-card
- Owner
- spicydyce
- Published
- 2025-02-11
- Updated on Modrinth
- 2025-02-11
- Facts verified
- 2026-10-15