20 million credit limit?!

  • Thread starter Gamerwillz
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I've just heard that you can't get any more than 20 million! Is that true?

If it's true, then that's baaaad! Very bad. đź‘Ž

yeah 20 mil is the limit,
I saved all this cash for the Ferrari Race car, then when i bloody bought it, i couldnt afford to change the oil
:)
 
Lets say I just wanted to earn 120 mil and buy 5 X1's? Why would you limit my ability to do that??? That's kinda what I'm currently doing. I've not bought but the one initial car so far and spent very, very little on tuning. Currently LVL 16 and want to get as high as I can without buying premium cars until much later.
 
I already bought all of the super expensive premium cars. Damn, it's a good thing I had B-spec and A-spec grinding going on at the same time.

Now for some arcade mode with them, what I wanted to do when I bought the game...
 
Dont see the issue. The cap doesnt make it take longer to get to whatever amount you want to get to, you just have to spend money before you reach 20mil. There arent many cars near 20mil where effect how often you buy them.

Simple math for you guys. Say you want a 10 mil car and a 15 mil car. What are all the possible solutions... Seems like the complainers would like to save 25mil and buy them both at the same time. However, by using logic, theres a simple answer. Save at least 10 mil, buy the 10 mil car. Then save at least 15 mil, and buy the 15mil car. There you go, you have spent the exact same amount of time saving up and buying each car individually as you would have if you had just saved up 25 mil.

I <3 Logic.
 
20 million cap sucks because after you purchase a 20 million car you are flat broke (I know from experience). If we have to have a cap, make it like 100 million credits then. I think it's just another bad game decision by PD.

Imagine this scenario:
1) Earn 20 mil credits
2) Buy a 20 million car
3) You just happen to check the UCD. Oh no! there goes a car or two you always wanted! But wait- you're broke....

It's a bad gameplay decision period. This is why GT5 is known for great physics and other technical merits however it suffers from numerous bad game decisions like this
 
You can use the Bank Of Bob (BOB) as a backup account to top your credits back up straight after a major purchase. Discussed elsewhere, I don't think there's a limit on your Bobs' online earning accounts when remote racing.
 
Well I've got an X2010 and the old green Jag (I can never remember the name of it) so they're pretty much the only 20 mil Cr cars I really wanted. So if I ever get that amount of money I can spend it on other cars modifying them, should keep me going for a while. I really don't see any need for having more than 20 Mil.

My 2 cents.
 
I do realize that UCD changes when you race, but if you're talking about 3 or even more races later, the situation is different. It's not anymore the moment you bought the 20 mil car.

You can have up 20 million per B-Spec driver as well, so you can potentially have 140,000,000cr stored.

This!
 
I do realize that UCD changes when you race, but if you're talking about 3 or even more races later, the situation is different. It's not anymore the moment you bought the 20 mil car.

If you want to be pedantic, then yes, it's not right after you bought a 20 ill car, but functionally it represents exactly one problem of the 20 mill cap.

I asked this last time this came up and I never got an answer so I ask again:

Instead of focusing on why it's not bad, how about someone come up with a reason it's good?


That's no where near a solution... it's a best a semi workaround that is only available for those who are intersted in B spec at all and even then it's a process that takes quite a lot of time...
 
LOL what a terrible post. Like others have pointed out, the UCD changes all the time. I didn't think I would have to break this down some more- but let's run this down again so you can keep up :dopey:

1) Earn 20 million credits
2) Check UCD, nothing good is there
3) Buy 20 million car; you are now broke
4) Go do a race or two to earn money for parts and oil change
5) Notice an expensice LMP race car (like a Chap 2j rare thats 14 mil)
6) But you cannot buy this car because you are *BROKE*


It's simple really A-B-C

And this is exactly why the whole "it doesn't do anything bad, it just makes you spend your money" makes no sense becuase that IS bad... if you HAVE to spend your money it interferes with budgeting and planning (both of which are necessary when dealing with a random supply source like the UCD).
 
Dont see the issue. The cap doesnt make it take longer to get to whatever amount you want to get to, you just have to spend money before you reach 20mil. There arent many cars near 20mil where effect how often you buy them.

Simple math for you guys. Say you want a 10 mil car and a 15 mil car. What are all the possible solutions... Seems like the complainers would like to save 25mil and buy them both at the same time. However, by using logic, theres a simple answer. Save at least 10 mil, buy the 10 mil car. Then save at least 15 mil, and buy the 15mil car. There you go, you have spent the exact same amount of time saving up and buying each car individually as you would have if you had just saved up 25 mil.

I <3 Logic.
Logic says a credit cap serves no purpose, and there's also the semi-random UCD which is the actual problem.
 
i think it should be capped but at over 20 mill, (35 or at least 25) this allows you to buy a 20 mill car and still have cash left over to get a 14 mill or at least a group C car if it came up at the same time in the ucd, that or you'd have to do the restore game a bit to see if any good cars are coming up in your cycle before committing to a 20 mill car.
 
Logic says a credit cap serves no purpose, and there's also the semi-random UCD which is the actual problem.

Logic also says that finding one situation where something is not bad does not prove that there is no situation where it's not bad... for instance he completely missed out on the fact that logic says that a 20 mill cap means you can never by more than 20 mill in cars at the same time (ie 3 8 mill cars, or one 12 mill and one 10 mill etc) AND that you must spend cr on something at 20 mill regardless of whether or not there is something you want available then (ie you might as well blow your Cr on a Yaris even if you don't want one becuase elsewiese any more Cr you earn is going to dissapear into thin air instead of being able to be saved towards a future desireable purchase)... both are legitimate issues considering the nature of the game.

Logically anything that isn't beneficial in any way but is damaging in even one way is net damaging.

Logic can be such a cruel mistress ;)
 
@ Cainius
But if there was no cap you wouldn't have to restore your game save. Doesn't that sound easier?
 
i think it should be capped but at over 20 mill, (35 or at least 25) this allows you to buy a 20 mill car and still have cash left over to get a 14 mill or at least a group C car if it came up at the same time in the ucd, that or you'd have to do the restore game a bit to see if any good cars are coming up in your cycle before committing to a 20 mill car.

Problem is a lot of times a bunch of rares will popup in groups. What happened too me I would see like a Chap 2J along with a bunch of other rare race cars all at once. I'd be looking at spending like 30 mil in addition to the 20 mil I just dropped.

For some reason rares usually popup in the same group for me. I bet Kaz/PD is laughing their butts off reading posts like mine. They probably torturing us like this on purpose. Trying to force us to make hard choices or something haha.
 
1) Earn 20 million credits
2) Check UCD, nothing good is there
3) Buy 20 million car; you are now broke
4) Go do a race or two to earn money for parts and oil change
5) Notice an expensice LMP race car (like a Chap 2j rare thats 14 mil)
6) But you cannot buy this car because you are *BROKE*

Yeah but now it isn't anymore right after buying the 20 mil car, that was my point.

You could also buy the expensive standards before expensive premiums. Premiums are constantly there, standards cars you want appear randomly.

And as some have pointed out, there ain't like +100 of these expensive cars, only a handful. If you are so eager to get them, save your money until you find them. Do _little_ spendings when you're near the credit cap.

Check UCD, if there is nothing interesting, spend a little, race. Repeat. How can that be a problem? If you don't need anything, buy a car to your friend etc., something!

EDIT: I hope they don't take the credit cap away, that would be heaven for glitchers. And yes, it matters, since glitchers play online too.
 
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Yeah but now it isn't anymore right after buying the 20 mil car, that was my point.

You could also buy the expensive standards before expensive premiums. Premiums are constantly there, standards cars you want appear randomly.

And as some have pointed out, there ain't like +100 of these expensive cars, only a handful. If you are so eager to get them, save your money until you find them. Do _little_ spendings when you're near the credit cap.

Check UCD, if there is nothing interesting, spend a little, race. Repeat. How can that be a problem? If you don't need anything, buy a car to your friend etc., something!

EDIT: I hope they don't take the credit cap away, that would be heaven for glitchers. And yes, it matters, since glitchers play online too.


So to summarize:

The credit cap doesn't do anything bad except completely force the manner in which you play and buy cars in order to avoid the limits on action the credit cap puts on you.

EDIT: The real reason you are defending the credit cap is you are one of those people who are worried about glitchers and happilly cut off your nose as long as it spites your face.

Got it.
 
I hope they don't take the credit cap away, that would be heaven for glitchers. And yes, it matters, since glitchers play online too.

Yeah...God forbid they do something that lets the majority of us enjoy OUR game more. Freakin' glitch whiners.

Take the stupid cap away, let me gift any freakin' car I want to myself as many times as I want so I can reload the save and get the money back to spend on the next car I want.

OR...

Make the game's reward system make sense in the first damn place, so none of the ridiculous glitching controversy gets discussed anymore. And then maybe all the self-righteous *****s that give a crap about how I play MY game will just STFU. :D.

I've decided that all the people whining and crying about people "cheating" and getting precious little cartoon cars that they themselves don't have, can't race for **** and need any excuse they can find to make them feel better about themselves.

Ok.. flame off. LOL
 
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Yeah but now it isn't anymore right after buying the 20 mil car, that was my point.

You could also buy the expensive standards before expensive premiums. Premiums are constantly there, standards cars you want appear randomly.

And as some have pointed out, there ain't like +100 of these expensive cars, only a handful. If you are so eager to get them, save your money until you find them. Do _little_ spendings when you're near the credit cap.

Check UCD, if there is nothing interesting, spend a little, race. Repeat. How can that be a problem? If you don't need anything, buy a car to your friend etc., something!

EDIT: I hope they don't take the credit cap away, that would be heaven for glitchers. And yes, it matters, since glitchers play online too.

Yeah GT5 has a lot of bugs and a new glitch is probably found daily. That's the only reason I can think of to keep a cap in place- which allows PD to be lazy and take their time to fix the glitch. Albeit, there's still very easy single player glitches. Like just A-Spec bobbing which in my opinion is much easier than the online glitches. I have no problem getting back to max money

But yeah you already know we are talking bout the UCD. PD was so lazy in their basic implementation, we cannot even click on some item we want and put down a payment of some sort to keep it around. So I cant just buy the expensive standards

And because there's such great and nice devs- we cant trade for the expensive standards anymore either.

Even though I really rarely drive a standard, I still love to collect them and drool over the vehicle history. I love to look at my garage with pride.

UCD is the real issue. If UCD didn't exist, I wouldn't have a big issue with the 20 mil credit limit. But because it exists, it exposes how poorly thought out the UCD is. It also conflicts with the trading restrictions. Yes- open trading leads to dups and such. So why not allow players to trade cars using an auction or something? I guess thats a lot of coding/effort so thats not happening.

I just think PD is making a lot of bad game decisions. Great game, I love the online, etc. but its full of many basic game flaws that they could easily (or not so easily) resolve.

(Thus I believe the credit cap should be raised to like 100-200 million. It's such a simple fix. But since they are bad at basic game mechanics like this- I am sure they will keep things the way it is)
 

Now we're talking. After buying most of the duplicate cars (Skylines, Miatas, etc.), UCD mostly will give you cars you've already have. Even though it offers you a slightly different model of a Skyline you don't already have, I don't think it's not that tempting to buy it after 30 different models.

Auction system would be awesome (but it shouldn't go to that that people will sell duped cars with 1 Cr.), but then the credit cap should be gone since there would be a situation where people would bid the price up to 20 mil. :/ Or maybe auction system + 25-30 mil cap would work.

But if you'd be able to buy every car any time (if you'd have the money of course), there would be no need for auction.

IMO the auction would be awesome solution
 
Quick question to the "it helps the glitcher problem" people... how exactly does it?

The theory seems to be that without a cap, glitchers would just store up billions of credits... and what would that accomplish that would hurt you? Nothing really... in fact it's probably desireable compared to the other option which is they are forced to spend it on cars as fast as they can glitch it...

The only concern anyone has voiced that has any legitimacy (and it's barely legit even so) is that it may have effect your online gaming experience.

But here we get logic sticking it's ugly face in the picture again... do you know what the Cr cap does? It FORCES glitchers to spend their $$$... that's right that means that they are now buying cars even if they didn't want to because once they hit the 20 mill cap, they need to go spend...

So all you who are worried or made that someone who didn't "earn" it is behind that 2J or X2010 guess what? The cap means that glitchers are buying more of these rare cars as they hit the 20 mill mark becuase if they don't, their money goes into nowhere... and they hit this mark far more often than non glitchers so the "problem" is exponentially worse.

Ignoring that PD has pretty much removed the glitches that everyone is worried about anyway, if there IS a glitch available, the glitchers are now going to want to get in and get Cr as fast as they can before PD closes down the glitch.

IF they could just bank billions, they would probably do that. How much of that billions woudl be turned into cars that you end up racing online? Who knows, some, maybe all... but there is the very real possibility that they will glitch their way to endless riches and then not spend all or much of it even... buying only the cars they actually want.

But given a cap, every time they hit 20mill they HAVE to buy a car... between this and the feeling of need to milk the glitch as much as possible before PD closes it down, you are basically FORCING more of the behavior that seems to be getting most people riled up.

So summary:

With a Cr cap, money MUST be spent so glitchers are ending up with as many cars as they earn.

Without a Cr cap they MIGHT still buy as many cars, but realistically they probably will only buy a few and millions of Cr will sit unused in the coffers.

If you don't believe this is likely look at paint duping... it still goes on and is very easy to pull off... but most people with duped chrome and gold chromes I know have have dozens in their items menu but have only a small handful of cars that are actually chromed.

IF there was some artificial low limit on chromes you could own, many of them would have chromed out fleets of cars just to avoid throwing away "dissapearing" chrome paint chips.


So yet again, logic says... no... the cap serves no value or positive purpose at all.
 
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i think its already been pointed out...

what if you have 20M and every car in the game then you win a race? do you start buying 2 of each car just to give some room for credits to fill? :ouch:
 
Now we're talking. After buying most of the duplicate cars (Skylines, Miatas, etc.), UCD mostly will give you cars you've already have. Even though it offers you a slightly different model of a Skyline you don't already have, I don't think it's not that tempting to buy it after 30 different models.

Auction system would be awesome (but it shouldn't go to that that people will sell duped cars with 1 Cr.), but then the credit cap should be gone since there would be a situation where people would bid the price up to 20 mil. :/ Or maybe auction system + 25-30 mil cap would work.

But if you'd be able to buy every car any time (if you'd have the money of course), there would be no need for auction.

IMO the auction would be awesome solution

Yeah if we could have an auction system I wouldn't complain about the UCD / Trading restrictions, etc.

But alas, I am only missing 1 20 mil car and the miura (15 mil). I suppose it wouldn't kill me to hurry up and buy the car before I go to sleep, then just turn on my aspec bob overnight to make me my money w/o looking at the UCD. I'm always afraid a rare will popup never to be seen again if I don't check but this is no doubt illogical
 
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