Credit cards

[Magnolia]

Simple, add credit cards that people can buy so they don't have to carry cash to purchase things from general stores. With this, it should also be changed so people have to own a credit card to pay directly from their bank account to ALL types of shops, including dealerships, as well as if you are buying a vehicle from the market or a house.

 

Credit cards should be sold by the current banks to give them more purpose, the banks would buy cards and stock them (like gun stores do with guns). There should be a few different types of cards (3 is a good amount), and they should have different costs and allowances. 

For Example: Basic card - $500 starting fee, $200 weekly/daily fee, 1% interest on all purchases, $0 credit allowance

Silver card - $2,000 starting fee, $500 weekly/daily fee, 0.5% interest on all purchases, $5,000 credit allowance

Gold card - $10,000 starting fee, $2,000 weekly/daily fee, 0% interest on all purchases, $30,000 credit allowance

(Allowance would be taken out of bank owners account. Bank owner would be able to choose which cards the bank can sell on its own, and which cards the bank owner must be there to sell (So that contracts can be signed/agreements can be made when it comes to selling cards with allowances).

 

OR

 

Simply make all of the different fees and allowances, as well as amount of different cards, customizable by the bank owner.

 

 

Bank owner would order cards, which would be nothing more than $100 or so from the server, like gun stores do. The order price should be the same for all types of card, as the risk of allowance (and other perks the bank owner may choose to give) will even out the cost of the card.

[Flucifial]

THANK YOU SO MUCH... I HAVE WANTED THIS FOREVER BECAUSE IT ADDS REALISM!

Admins are probably going to say NO because they don't want realism, they want people to be at risk for robbery. 

[Ray Sweets]

The hard thing with this is scripting the actual system, and if you want to use credit cards in game, they should be much more realistic than this, if I ever get a credit card IRL with ever 5% interest i'd shit my pants. Credit cards could be done, scripted, and after all that hard work, they would play a crucial role in keeping the economy under wraps (depending on who uses them) and like real life, if you can pay your CC bill, keep the payments up to date, not go into debt, your credit limit would be raised to much more value than what you can actually afford, to create the trap of being stuck inside of payments and going broke because you like to spend to much. anyways, just my 2c.

 

[Lewis]

I think the logic behind this is good, maybe allow someone to get a credit card (an over-draft facility maybe good) but also thinking in real-life terms here, a pre-paid card could work just as well, people could top-up their cards and be robbed of them, but also give the flexibility of allowing them to cancel their card (within a specific time-frame) or even just go with the credit card idea, with interest!

[Rick C. C-103]

This could be a good idea. It could give people the option to commit fraud on other players/people and use their money instead of their own.

[Kris]

Buying items from general stores can now be done with money in bank