Credit Rating (5e Skill)
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This page needs grammatical help. Reason: Abundant spelling mistakes.
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This page is incomplete and/or lacking flavor. Reason: Increasing your credit rating increases your daily expenses, but for what? Passive formula doesn't include the gain/loss modifier. Also, "never used as an actual skill" so why take proficiency? The whole system seems at odds with a homeless/guild adventurer that moves towns constantly. Is this supposed to be mostly for NPCs?
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Credit Rating[edit]
If you are tired of keeping track of every single coin you spend in a D&D game then this is just the skill for you.
Creating Credit Rating[edit]
You can replace any skill proficiency with credit rating.
If you play with Credit Rating, you don't start with any money except as noted in your credit rating. When using starting wealth, all currency after buying equipment is discarded. This skill, unlike other skills, is represented by your choice of Charisma or an ability score depending on your class. You can change the associated ability score whenever you gain a level. Class ability scores are detailed in the table below.
- Multiclassing
If your character is multiclassing, you can choose between Charisma or the ability score(s) associated with your highest leveled class. If two more classes are tied for most levels, then you can choose between Charisma or an ability score from those classes. Once again, this cannot change until you gain a level.
| Class | Ability Score |
|---|---|
| Artificer | Intelligence |
| Barbarian | Strength |
| Bard | Charisma |
| Cleric | Wisdom |
| Druid | Wisdom |
| Fighter | Strength or Dexterity |
| Monk | Wisdom or Dexterity |
| Paladin | Strength or Charisma |
| Ranger | Dexterity |
| Rogue | Dexterity |
| Sorcerer | Charisma |
| Warlock | Charisma |
| Wizard | Intelligence |
- Daily Expense
You have a daily expense based on your credit rating and how rich place or job you have/are in.
- Ex. You have a low daily expense for living in a poor country after a shipwreck.
- Passive
Credit Rating is never 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, along with starting wealth if you play with that. Consult the table below to see what money you start with.
| Passive Credit Rating |
Spending Level |
Starting Wealth |
|---|---|---|
| 7 | 8cp | 1sp+6cp |
| 8 | 1sp | 2sp |
| 9 | 3sp | 6sp |
| 10 | 6sp | 1gp+2sp |
| 11 | 8sp | 1gp+6sp |
| 12 | 1gp | 2gp |
| 13 | 1gp+3sp | 3gp+2sp+5cp |
| 14 | 1gp+6cp | 4gp |
| 15 | 2gp | 4gp+5sp |
| 16 | 2gp+5sp | 5gp+7sp+5cp |
| 17 | 3gp | 9gp |
| 18 | 3gp+5sp | 10gp+5sp |
| 19 | 4gp | 12gp |
| 20 | 4gp+5sp | 13gp+5sp |
| 21 | 5gp | 20gp |
| 22 | 6gp | 24gp |
| 23 | 7gp | 28gp |
| 24 | 8gp | 32gp |
| 25 | 9gp | 45gp |
| 26 | 10gp | 50gp |
| 27 | 12gp | 60gp |
| 28 | 14gp | 70gp |
| 29 | 16gp | 96gp |
| 30 | 20gp | 120gp |
Whenever you find currency, you may put up to half the amount into your Credit Rating. If you do, your Credit Rating increases by 1 for every 3 gp.
Based on the conditions you live in, your Credit Rating may be reduced. The following is a list of some of the ways your Credit Rating 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 with nothing but what is on you at the moment.
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