Call of Cthulhu 7th Edition skill
Credit Rating
Credit Rating is a skill in Call of Cthulhu 7th Edition: Social standing, wealth, and financial reputation in 1920s society.
Last reviewed
Key facts
- Base Value
- 0
Overview
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
Base Value: 0% Key Uses:
- Determining starting wealth and spending level
- Gaining access to exclusive locations and social circles
- Establishing credibility with officials and professionals
- Affording equipment, travel, and accommodations Special Rules: Credit Rating ranges define social class: 0 = destitute, 1-9 = poor, 10-49 = average, 50-89 = wealthy, 90-98 = rich, 99 = super rich. Your occupation sets minimum and maximum Credit Rating. Cash and assets are derived from Credit Rating.
Tips and playstyle
Build Advice: Don't neglect Credit Rating. It determines your lifestyle, starting cash, and social access. At least 20-30% keeps you functional. Occupation Synergies: High Credit Rating supports Persuade and Charm by lending authority. Pairs with any social skill for navigating upper-class situations. Character Concepts: Dilettante, professor, doctor, lawyer, journalist, private investigator.
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.