Soul concept

Lets say one have to travel from A to Z to reach their soul to the destination. The soul needs enough credits to travel from A to Z. If it gets the credits only to travel to A to B in the current life then the soul comes back to the earth to travel from B to Z. If it gets enough credits to travel further then it will get upgraded to the next levels or if it loses the credits then it will get degraded to low levels. Here gaining credits means the good deeds and losing credits means bad deeds