The Credit is a non-fluctuating unit of exchange likely based upon a modified form of Utilitarianism where the value of something is dictated not by supply and demand (in fact, demand probably factors very little into the economic models of the authoritarian Earth Gov), but by the estimated and later practical availability of resources and the utility of those resources in getting work done. Factors such as the estimated costs associated with transportation of resources doesn't seem to be taken into consideration as prices for a large number of goods appear flat regardless of location. This system of monetary value emphasizes getting things done as opposed to making sure both parties are compensated for what they feel are owed for their time and skills. Wireless transfers of Credits and the shared control of accounts do not seem to be possible except in cases of legally recognized bondage, such as marriage.
Credits themselves are electronic chips with a preset amount of exchange units flash-recorded onto them. Designed to be used with a RIG, these chips likely work by being downloaded and then hard-wired to automatically wipe themselves clean in order to prevent fraud and a collapse of the utilitarian model. If a person wishes to transfer Credits from one RIG account to another, they must flash-record the amount they wish to exchange onto an empty chip, at which point it is already deducted from the account, and then physically hand it to another user. This prevents large-scale thefts while facilitating a partially free economy, and gives users a sense of solidarity to a unit of currency ostensibly based on nothing. Everyone has an anonymous Credit chip, and without it, they can't deal with one another.
The ubiquity of Credit chips means they can be found anywhere and sometimes will show up in unexpected, even ridiculous places ranging from storage boxes to emergency supply lockers.
- Within Unitology, large donations of credits are required to gain higher rankings within the religion.
- In addition to ranks, donations to the Church of Unitology, 400,000 credits, are rewarded with Advanced Unitologist RIGs.
- Lurkers can drop credits, among other items, despite the fact that they were once babies or late fetuses. Similarly, Infectors can drop items when killed despite lacking opposable thumbs or any visible place where the items could be stored.
- If the credits are made of Digital Data, then the Credits would be the most "un-safe" currency created, as some hacking can give you thousands or millions of credits.
- In Dead Space 2, a player can only have 999,999 credits. It cannot increase to a higher number.