CREDIT AVENGER D&D character sheet
🧾 Core Identity CREDIT AVENGER Medium humanoid, Lawful Strategic Armor Class: 19 (financial discipline) Hit Points: 140 (pressure survived + comebacks) Speed: 30 ft (moves with purpose, not panic) 💪 Attributes - STR: 16 (+3) (carries the weight of others’ struggles) - DEX: 14 (+2) (navigates systems smoothly) - CON: 18 (+4) (unshakable under financial stress) - INT: 17 (+3) (understands the game behind the game) - WIS: 18 (+4) (pattern recognition + life experience) - CHA: 19 (+4) (can turn shame into action) 🧠 Skills - Financial Strategy +8 - Negotiation +9 - Credit Analysis +7 - Storytelling +8 🛡️ Resistances & Immunities - Resistances: shame, overwhelm, intimidation - Immunities: predatory tactics, confusing fine print ⚙️ Passive Abilities - Debt Vision. Can instantly identify the fastest path to financial freedom. - Pattern Breaker. Recognizes and disrupts generational money cycles. - Calm Under Pressure. Gains advantage when others panic about money. ⚔️ Actions - Snowball Strike. Eliminates smallest debt first, triggering momentum (+2 morale to allies). - Negotiation Pulse. Reduces interest rates, fees, or balances on a successful check. - Credit Rebuild Protocol (Recharge 5–6). Restores score over time through strategic actions. - Reality Check. Instantly removes financial denial from one target. 🛡️ Ultimate Move Guardian of the Broke (1/day) Absorbs financial chaos from an ally and redirects it into a structured plan. “All panic converts to progress.” 🧠 Flavor Line (the soul of it) “No judgment. No shame. Just results.” 🔥 Now let me level this up with YOU in it