Credit Rating (5e Skill)
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If you are tired of keeping track on every single coin you spend in a D&D game then this is just the skill for you.
Creating Credit Rating
If you play with Credit Rating you don't start with any money except for those noted in your credit rating (if you play with starting wealth then you loose all your money from starting wealth after buying equipment). So this skill is not like any other skill because it can be based on any ability score depending on your class as shown below:
|Fighter||str or dex|
|Monk||wis or dex|
|Paladin||str or cha|
No matter your class you can choose to have Charisma as the base ability score for Credit Rating. You can replace any skill proficiency with credit rating. You have a daily expense based on your credit rating and how rich place or job you have/are in (Ex: low daily expense for being in a pour country after a shipwreck). Credit Rating is never being used as an actual skill and is always passive. Your passive credit rating equals: 10 + the ability score it is based on + your starting wealth: the money gained from background and starting wealth if you play with that. Consult the table bellow to see what money you start with.
|Passive Credit Rating||Spending level||Starting wealth|
Whenever you find money you may put half into Credit Rating adding 1 to your credit rating per 3 gp.
Based on the conditions you live in you might get your credit rating reduced. The following is a list of some of the ways in may get reduced:
- You lose 1 Credit Rating if, you get robbed, you don't have any equipment, you live somewhere poor.
- You lose 2 Credit Rating if, you get robbed, you don't have any job, the city is actively at war.
- You lose 3 Credit Rating if, you get robbed, the city is under siege.
- You lose 4 Credit Rating if, you get robbed, the city is being attacked by mighty enemies.
- You lose 6 Credit Rating if, you must flee without anything but what is on you at the moment.
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