Why would you ever want to buy a ship/building on credit?

from GalCiv2 Forums
Since you are allowed to have your tresury go negative, why would you pay to have a building or ship constructed under one of the payment plans? Even the best one will cost 1.5x as much as buying the whole thing upfront.
9,122 views 8 replies
Reply #1 from Stardock Forums Top
Because you're strapped for cash, need defense and it's your LAST option. That's why. I've not gotten there myself, and if I have been there didn't use it.
Reply #2 from Stardock Forums Top
Sure, your treasury can go negative, but once it is you can't rush construction until it's positive again. So if you only have enough money to fully buy a single ship and you need several, you'll have to buy them on credit.
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Reply #3 from Stardock Forums Top
So I focus on economy and never have a problem... a treasury of 30,000bc is fun...
Reply #4 from Stardock Forums Top
The other reason is that it might cost you more to have your treasury go negative; it confers a pretty hefty morale penalty, which can make it hard to climb out of debt.
Reply #5 from Stardock Forums Top
In the early game, I think it can let you pump out more colony ships faster than if you buy them outright or wait around for them to build.
Reply #6 from Stardock Forums Top
In the early game, I think it can let you pump out more colony ships faster than if you buy them outright or wait around for them to build.


thats what i do and i own the computer most of the time in expansion... then because i neglected military he concors half my planets... then i use my higher tech make better ships (this is when credit is amazing for me cause most of my planets r usually just reasurch) and go over and destro him (Hopefully)
Reply #7 from Stardock Forums Top
I often use credit to get large troop transports in space quickly. If you've taken down the defence but have no troop transports there's a chance you'll forfeit the planet in a long war.
Reply #8 from Stardock Forums Top
I'll often use payment plans on larger items -- such as trade goods -- that I need *now*. For example, I do *NOT* want anyone else getting hold of micro repair bots, period the end.