What is the suggestion:
Adding in to the ecosystem credit cards meaning, if you wish to purchase car, food, houses without money, and wish to take money out of ATM, he needs a credit card.
There would be 2 type of cards:
Basic: Issuance fee would be 500 $ - 0 credit possibility - weekly card cost: 35 $
Platinum: Issuance fee would be 2000 $ - 5 000 credit possibility with 15 % APR - weekly card cost 70 $ (if balance on card is 0 and you buy something for 30 dollars, it should show you in orange 4970 dollars) and you can spend all money until its 0 and when money comes in to your account it gets taken away until its paid.
Mobile app should represent purchase history and outstanding balance
Cards are issued by a banker applying for it
What are the advantages? (List each in new line)
Additional way for people to buy stuff if they are short few thousand from something
Allows for more realistic feel
It would help track what purchases they have made
What are the disadvantages? (List each in new line)
People could just not use it, but in that perspective I would suggest for other business owners to increase the price of products if they wish to buy with cash + npc sellers such as Car dealers and house dealers should increase the amount that needs to paid so people would consider paying more or just getting a card.
Do you have any resources (images, links, references) to support our staff in making said suggestion?
Well the game actually provides the advertisement:
How would you go about implementing this idea?
Adding new Items such as Cards that people can keep in their inventory,
Cards must be able to get from bank and bank should be able to order them for 100 $ a piece
NPC selers, execpt 7/11 should have increased prices if person wishes to pay with cash, and if person has credit card, it should prompt 2 option:
Pay with cash = higher price
Pay with card = normal price
ATM should be able to access only if customer has a card in their inventory, similar to gun licenses.
In the mobile app of bank it should state Fleeca Bank not the other bank XD