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* This currency is universally accepted, but not strictly enforced, so some places may refuse transactions involving credits.
* A transaction that exclusively requires the use of credits may not be open to a bartering system of trade.
* Carrying credits on a loose, physical device or on chits have a higher rate of being stolen.
** Some types of credit chits have security measures in place (like DNA or biometric scanners) to prevent theft, but mass-produced varieties do not have such features.