 Getting a line of credit from the sahdows., Debt makes the world turn |
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 Sep 12 2010, 11:26 AM
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#1
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Runner  Group: Members Posts: 2,705 Joined: 5-October 09 From: You are in a clearing Member No.: 17,722  |
To all you GMs out there, do you allow your Runners to buy things on credit? If yes, do you base their credit rating and maximum draw on their lifestyle, their SIN rating, or both?
While I can't imagine a world without debt, (I mean, how else do you keep your workers working?) I also don't want to see runners take up 5000¥ in debt on a 4000¥ SIN then just burn the thing, rinse and repeat. So, do you let your players buy legal goods with conceptual money? Pay rent in dry months with it? Launder the credits to illegal goods? What up? |
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Sep 12 2010, 11:34 AM
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#2
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Running Target Group: Members Posts: 1,000 Joined: 30-May 09 From: Germany Member No.: 17,225 |
Depends.
For example: To get a REAL loan from a bank they need to have collateral. Warrants a deep SIN-check, maybe they have to show "their" house/property and documentation to an agent of the bank. All very high-risk. A loan from a loan-shark or some kind of organized syndicate: SURE, but only if they think they can control the character. (If they know he has loved ones here or otherwise can't disappear, like many runners could). No one gives money to someone just "because i can trust he might pay it back sometimes". It is all control, power. No one gives TOO much money as well. And many loan sharks deliberitly have long repay plans. (So he can maybe go broke in between, even if he had the money months ago). Also sweet 10% interest rate per months for illigal loans... just to milk the desperate. OR you can force them to take a HUGE loan, much more than they need. And they have to pay back with insane interest. (They think they can use it for a run or so and swim in money afterwards... but what if it all goes horribly wrong?) For example: 50.000 in cash NOW... but i want 75.000 at the end of the weak (Insert mean smile). |
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Sep 12 2010, 11:47 AM
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#3
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Runner Group: Members Posts: 2,705 Joined: 5-October 09 From: You are in a clearing Member No.: 17,722 |
What about credit cards though?
It's hard to go through five pieces of mail or web spam without someone trying to get you to get a _____ credit card. |
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Sep 12 2010, 12:06 PM
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#4
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Moving Target Group: Members Posts: 695 Joined: 21-March 09 Member No.: 17,002 |
Getting a loan from Organized Crime/major gangs are very risky and leads only to
major trouble (specially when u can't pay it back)." ..Say..well,we can forget this months payment if u do this for us.." if it comes to worse,whole team is pulled to it and dies for as little as 750 yen... (IMG:style_emoticons/default/frown.gif) (In charc.Creation better option is Born Rich- Quality (from Runner's Companion),you can always improve your skill ratings) |
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Sep 12 2010, 01:17 PM
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#5
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Runner Group: Members Posts: 2,899 Joined: 29-October 09 From: Leiden, the Netherlands Member No.: 17,814 |
QUOTE (Saint Sithney @ Sep 12 2010, 01:47 PM)  What about credit cards though? It's hard to go through five pieces of mail or web spam without someone trying to get you to get a _____ credit card. I think the era of the SINless will probably cause that kind of spam/scam to disappear. |
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Sep 12 2010, 01:57 PM
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#6
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Shooting Target Group: Members Posts: 1,512 Joined: 26-February 02 Member No.: 392 |
Line of credit probably shouldn't be defined the way we think of a line of credit. Think of it more as, the guy you are buying gear knows you are good for it and will let you have the gear now with just your promise to repay him later (the definition of Street Cred). Historically this sort of lending is what gave rise to store-specific credit cards (think like GMAC). This repayment could be anything from money, to other gear the seller wants, to work. If you're SINless and operate in the Shadows you are operating in the Black Market and much of that is barter.
That being said, if you are getting the line of credit to spend on lifestyle or brain benders then people will generally be less willing to deal with you (notoriety) except for Loan Sharks and drug dealers. |
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Sep 12 2010, 02:18 PM
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#7
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Immortal Elf Group: Dumpshocked Posts: 14,358 Joined: 2-December 07 From: Winnipeg, Manitoba, Canada Member No.: 14,465 |
QUOTE (Cheops @ Sep 12 2010, 08:57 AM) Think of it more as, the guy you are buying gear knows you are good for it and will let you have the gear now with just your promise to repay him later (the definition of Street Cred). I'd base this off their Street Cred. And Ghost help them if they start getting "Notorious" for neglecting their debts, and everyone starts calling in their markers! They'd have to have a good "Loyalty" rating with the person they're "Lease-To-Own" the equipment from, however. |
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Sep 13 2010, 12:10 AM
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#8
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Shooting Target Group: Members Posts: 1,512 Joined: 26-February 02 Member No.: 392 |
I'd let them do it at loyalty 1 or even as friend-of-a-friend but again their net Street Cred would have to pretty good with no Notoriety from the In Debt quality (which I would give them if they welch on the loan).
Street Cred is supposed to represent that you are "good for it." So a street doc upgrading some of your ware to the latest beta would do it on a loan knowing that you'll make good on it later by brining him the latest high tech goodies (paydata from runs), scavenged parts, or just straight up nuyen. There's also the celebrity factor -- if you have a high street cred you will drive business to the guy equipping you as your good rep runs off on the merchant. Again, this is how banks/credit cards work anyway. Your good rep (credit rating) is based on income, how long you have lived in your house, net worth, and how long you have worked at your current position. These are all things that the financial industry takes as good signs in a retail borrower. |
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Sep 13 2010, 12:21 AM
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#9
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Target Group: Members Posts: 43 Joined: 7-September 10 From: Ssweden Member No.: 19,021 |
I find that debt to the mob or why not a big mortgage is useful as character motivation provided that the character in question actually is integrated in that setting in a good way. Otherwise its just free money (IMG:style_emoticons/default/wink.gif)
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Sep 13 2010, 12:26 AM
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#10
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Immortal Elf Group: Dumpshocked Posts: 14,358 Joined: 2-December 07 From: Winnipeg, Manitoba, Canada Member No.: 14,465 |
People got to 'Run for a reason...
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Sep 13 2010, 06:18 AM
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#11
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Moving Target Group: Members Posts: 110 Joined: 27-May 09 Member No.: 17,211 |
I would consult the favor table found on page 281 of the SR4 core rule book
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Sep 13 2010, 02:13 PM
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#12
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The Dragon Never Sleeps Group: Admin Posts: 6,924 Joined: 1-September 05 Member No.: 7,667 |
PC gets the In Debt Quality.... for free!
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Sep 13 2010, 04:38 PM
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#13
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Moving Target Group: Members Posts: 431 Joined: 15-April 10 Member No.: 18,454 |
QUOTE (DireRadiant @ Sep 13 2010, 09:13 AM) PC gets the In Debt Quality.... for free! And watch Repo Man with Jude Law about cyberware getting repossessed when folks are late on their payments. Yay, RFID's built into Cyber. |
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Sep 13 2010, 05:06 PM
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#14
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Shooting Target Group: Members Posts: 1,817 Joined: 29-July 07 From: Delft, the Netherlands Member No.: 12,403 |
Ask your fixer...
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Sep 13 2010, 05:28 PM
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#15
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Runner Group: Members Posts: 3,179 Joined: 10-June 10 From: St. Louis, UCAS/CAS Border Member No.: 18,688 |
QUOTE (TommyTwoToes @ Sep 13 2010, 04:38 PM) And watch Repo Man with Jude Law about cyberware getting repossessed when folks are late on their payments. Yay, RFID's built into Cyber. Repo! The Genetic Opera is a better movie. (IMG:style_emoticons/default/biggrin.gif) For the SINless, there aren't a lot of options. Generally, those options are all organized crime or small-time freelance money launderers. Some folks will allow you to gladly pay them Tuesday for a Thunderstruck today, but if they can get ahold of one of those - well, make sure you pay on time. |
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 Sep 13 2010, 07:30 PM
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#16
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Moving Target Group: Members Posts: 431 Joined: 15-April 10 Member No.: 18,454 |
QUOTE (Doc Chase @ Sep 13 2010, 01:28 PM) Repo! The Genetic Opera is a better movie. (IMG:style_emoticons/default/biggrin.gif) I could only make it through about 3 minutes of the opening song. (IMG:style_emoticons/default/sleepy.gif) And I think that one was for bioware, which should be less useful after being reposessed. My players haven't seen either one sooooooo, their next job may be to get some cyber back, or stop the repo guys. |
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Sep 13 2010, 07:32 PM
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#17
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Runner Group: Members Posts: 3,179 Joined: 10-June 10 From: St. Louis, UCAS/CAS Border Member No.: 18,688 |
QUOTE (TommyTwoToes @ Sep 13 2010, 08:30 PM) I could only make it through about 3 minutes of the opening song. (IMG:style_emoticons/default/sleepy.gif) And I think that one was for bioware, which should be less useful after being reposessed. My players haven't seen either one sooooooo, their next job may be to get some cyber back, or stop the repo guys. Okay, okay. 'Better' = campier. Anything that has enough of a cult following to shadowcast it is worth watching, IMO. TBH, either flick is a decent representation of Tamanous, though TGO would be the Azzies if the Corporate Court would let them. |
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Sep 13 2010, 09:03 PM
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#18
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Immortal Elf Group: Dumpshocked Posts: 14,358 Joined: 2-December 07 From: Winnipeg, Manitoba, Canada Member No.: 14,465 |
And probably the way it is in Aztlan. (IMG:style_emoticons/default/nyahnyah.gif)
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Sep 13 2010, 09:07 PM
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#19
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Runner Group: Members Posts: 3,179 Joined: 10-June 10 From: St. Louis, UCAS/CAS Border Member No.: 18,688 |
QUOTE (CanRay @ Sep 13 2010, 09:03 PM) And probably the way it is in Aztlan. (IMG:style_emoticons/default/nyahnyah.gif) I don't recall the Rossis sacrificing any hearts to Quetzcoatl, but it's a good approximation. (IMG:style_emoticons/default/biggrin.gif) |
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Sep 13 2010, 09:10 PM
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#20
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Immortal Elf Group: Dumpshocked Posts: 14,358 Joined: 2-December 07 From: Winnipeg, Manitoba, Canada Member No.: 14,465 |
QUOTE (Doc Chase @ Sep 13 2010, 04:07 PM) I don't recall the Rossis sacrificing any hearts to Quetzcoatl, but it's a good approximation. (IMG:style_emoticons/default/biggrin.gif) "If I can't find a hole, I will make one..." Close enough. (IMG:style_emoticons/default/nyahnyah.gif) |
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Sep 13 2010, 10:25 PM
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#21
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Moving Target Group: Members Posts: 935 Joined: 2-September 10 Member No.: 19,000 |
QUOTE (Saint Sithney @ Sep 12 2010, 06:26 AM) To all you GMs out there, do you allow your Runners to buy things on credit? If yes, do you base their credit rating and maximum draw on their lifestyle, their SIN rating, or both? While I can't imagine a world without debt, (I mean, how else do you keep your workers working?) I also don't want to see runners take up 5000¥ in debt on a 4000¥ SIN then just burn the thing, rinse and repeat. So, do you let your players buy legal goods with conceptual money? Pay rent in dry months with it? Launder the credits to illegal goods? What up? Sure don't, but then again they've never tried. : ) |
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