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Credit Chip

Financial security is the basis of almost anyone's core identity in the Local Spur, and maintaining access to your resources from any location can be critical. Sometimes called bank cards or credit cards, Credit Chips are often small, thin cards that easily fit in a slim pocket or wallet and can be tied to an individual's ID but can take many other forms from implanted mag-strips, QR codes, or even individual datasticks for moving secured and untraceable funds.

A standard Credit Chip considered storage devices with a hostile attitude? and Intelligence 10, with a Will Defense of 15. Once a Credit Chip is 'friendly', it can be used to withdraw funds from the account the chip is linked to. Failing to improve the attitude of the Credit Chip with a Use Computer check that fails by 5 or more causes the security protocol of the chip to lock down the account and invalidate the Credit Chip being used.

Attempting to program a fraudulent Credit Chip is highly illegal and nearly impossible. Central banking systems have highly secured computers with a Will Defense of 30 that start at a hostile state; further, the check attempt is done in secret, and you will not know if you are successful until you attempt to use the falsified Credit Chip. If you fail, the government or bank computer is notified and will immediately invalidate the Credit Chip. If you failed the forgery attempt by 5 or more, local authorities will be dispatched immediately in an attempt to arrest you after its use.

Without access to a Credit Chip, a character is required to carry hard currency, which is unsecured and cannot be traced. Characters with a Credit Chip can also acquire hard currency at a number of banking locations across the Local Spur.

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