Credit rating (Call of Cthulhu 7th Edition)
Definition
Credit Rating is unique among Call of Cthulhu skills, it represents not a learned ability but your investigator's financial standing, social class, and reputation. It determines your standard of living, the resources you can access, and how society treats you. In the class-conscious 1920s, Credit Rating opens doors that no amount of skill can. A high Credit Rating means you can afford hotel suites, hire help, access exclusive clubs, and be taken seriously by banks and officials. A low Credit Rating means you struggle for basic necessities and are dismissed by polite society. Credit Rating also determines your spending level and cash on hand, making it mechanically important for equipping your investigator.
How it works
Tips
Frequently asked questions
How does Credit Rating affect starting money?
Credit Rating sets three separate figures: your spending level for everyday purchases, the cash you carry, and your total assets. Cash and assets are both multiples of your Credit Rating score, and the multiplier climbs with each social class band, so a Credit Rating of 50 gives far more than one of 10.
Can Credit Rating change during play?
Yes. Financial setbacks, job loss, or scandal can lower Credit Rating. Windfall gains or career advancement can raise it. The Keeper adjudicates changes based on story events.