A method for using a line-of-credit digital content distribution platform is disclosed. The method includes receiving, from a user computing device, a request for initial access of a user to a digital content distribution platform, granting access to the digital content distribution platform based upon the request for initial access, providing the user with a line-of-credit usable by the user, wherein the line-of-credit includes a digital credit, providing an introductory digital credit to the user, receiving, from the user, an activity completed on the digital content distribution platform for the digital credit and increasing the line-of-credit as a function of the activity completed by the user.