Credit Rating (5e Skill)
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Credit Rating
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
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 lose all your money from starting wealth after buying equipment). This skill is unlike any other skill because it can be based on any ability score depending on your class as shown below:
| Class | Ability Score |
|---|---|
| Artificer | int |
| Barbarian | str |
| Bard | cha |
| Cleric | wis |
| Druid | wis |
| Fighter | str or dex |
| Monk | wis or dex |
| Paladin | str or cha |
| Ranger | dex |
| Rogue | dex |
| Sorcerer | cha |
| Warlock | cha |
| Wizard | int |
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 poor country after a shipwreck). 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 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 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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