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Wolfdawg

Occupation points and Credit Rating

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Credit Rating  - the higher it it is, the greater your access to stuff. A high score can mean certain doors open for you automatically.

It's a useful thing and provides your character with more access to useful things. 

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Let me Clarify. In the Occupation you have to pay Occup. points for C.R.......Why what for? What does that give, it does not say in the Ivestigator's handbook pp 68

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9 hours ago, Wolfdawg said:

Let me Clarify. In the Occupation you have to pay Occup. points for C.R.......Why what for? What does that give, it does not say in the Ivestigator's handbook pp 68

Yes, now look at the Credit Rating description within the Skills section on p103.

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Investigators with higher credit ratings:

-Can get access to transportation methods that others can't.

-Can potentially bribe NPCs for information or their lives.

-Can pay for newspaper clipping services and other luxury items that allows them to focus their in-game efforts on other endeavors.

-Can get clues that destitute Investigators may lack, because of social connections and status.

-Can hire contacts to work for them.

-Can easily obtain materials that can make for more exciting solutions to problems.

Investigators with lower credit ratings:

-Generally have to work harder for all of the above.

Many players prefer playing characters with lower credit ratings because they like the challenge. Many players don't like playing characters with lower credit ratings because they don't like the-challenge-of-the-mundane.

If you want a mechanics-focused answer, consider this: Why should a "rich" character with all of the advantages listed above not be required to pay for it in character creation? Wouldn't everyone just choose to be rich?

My group used their wealth to gut the Chapel of Contemplation and rebuild a Sanctum Sanctorum on top of it. They now have a home base on a "place of power." That would not have been possible if they played financially-challenged characters. It made sense that if they were going to spend points in character creation on it that it was going to result in some cool benefits in game.

So, rather than assuming that a mechanic is a "penalty," it behooves all of us to spend some time thinking about what the advantages could be. 

Edited by klecser
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There are a few downsides to having a high credit rating, of course. You might not be able to "blend in" with folks with a lesser credit rating so easily, e.g. if you are trying to go "undercover". You might find that some with low credit ratings won't trust you, because you're not "one of us".

It's not all upside. Creative keepers can easily find ways to disadvantage those with high credit ratings who seem to be perhaps trying to over-use their privileges.

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3 hours ago, klecser said:

My group used their wealth to gut the Chapel of Contemplation and rebuild a Sanctum Sanctorum on top of it. They now have a home base on a "place of power." That would not have been possible if they played financially-challenged characters. It made sense that if they were going to spend points in character creation on it that it was going to result in some cool benefits in game.

 

Boy that sounds fun! I want to be in your group!

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