General Rules: Feats - Line of Credit

Line of Credit [General]
Your reputation for trustworthiness is such that members of your community are willing to sell you goods and services on credit.
   Prerequisites: Charisma 12+, Good Neighbor.
   Benefit: When purchasing an item or service in your chosen city, you can have a line of credit for a number a number of shillings equal to your Charisma score x 100. (This value cannot be higher than one-half the town’s shilling limit based on Table 4-40: Random Town Generation in the Dungeon Master's Guide). Once you use this ability, you have one month in which to repay the money owed. If you fail to repay the money owed in one month, while within your chosen city you suffer a -5 penalty to all Charisma based skill checks. This penalty increases by -5 every month (-10 after two months, -15 after three months, and so on). After you use a line of credit for any amount, you may not use it again until you repay the outstanding balance.
   Note: This feat only applies within the town or city specified for the Good Neighbor feat used as a prerequisite.
   Special: You can gain this feat multiple times. Its effects do not sack. Each time you take the feat, it applies to a new city or town, but you must have taken the Good Neighbor feat for the appropriate community first.

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