The Sepharael & Company Credit Card is plastic, virtual money that you can shop around with. This comes in handy if you don't want to spend your current gold or don't have enough gold to pay for something you want.
Does it work everywhere?
Unfortunately, no, it doesn't work everywhere. We am hoping however, that we will be able to spread the word so more shops can take it. It doesn't work in Gaia Shops ran by NPCs, either.
How do I use it?
Shops that carry this logo:
, will take the credit card. Each shop might have different directions when using the card, but by default, you PM the shop owner with the image of your credit card. You must also include your pin number with your credit card. The shop owner will then PM us to claim their money. You will later receive a bill stating how much you owe. It will also notify you when interest will start being added (7 Days After Bill Received). 
