Credit system: In the credit system you know, when you borrow 10K in-game currency credits, you're given 1 week to pay it back to me. Let's say I exceed this 1 week, then each day (as real world time) the amount of credit I borrowed will have 15% of it added to the amount I need to repay. However, the amount of credit you can borrow will be based on your in-game rank. For example, a Noble can borrow 25k for 3 weeks, while a Noice can borrow 5k for 1 week. You can have a maximum of 3 active credits at the same time in the system.
Seizure system: If you don't repay the required amount within 1 month, the amount you need to pay will be deducted from your account, and if you don't have enough funds, your in-game currency will go into the negative.