The phrase often implies negative connotations when discussing gaining debts or problems.

Negative Undertone

'Rack up' indicates a gradual increase, not immediate.

Gradual Process

Used in everyday conversation, but might be too informal for very formal contexts.

Commonly used when discussing winning in games, sports, or contests.

Often relates to specific goals or objectives like points in games.

Popular in gaming culture, referring to increasing scores or levels.