Neo-western Bad Credit talks about the difficult situation in the city of Tucson in 2016. The hero is going to develop his business using all possible methods, but escalation of the situation, dirty games and dirty deeds do not allow him to fully legitimately move up the career ladder. To survive the impending crisis, you will need to survive 12 months, preserve the accumulated capital, and, in the best case, multiply it several times, resulting in a big plus.

Bad Credit has the ability to choose a political side. The hero will be able to join one of the existing parties. Become a liberal, a socialist or a real fascist. Everything depends only on the morality of the character himself. But the choice of political faction is not necessary, it will only affect how people see the protagonist. He can remain in the shadows, not participating in the political life of the country.

The visual novel revolves around the mechanics of choosing and developing relationships. You can quarrel with people, make peace with them, win them over to your side, or get rid of them in the darkest possible way. The hero will have to be on the side of good or evil, only at his own discretion. You can make new acquaintances or break off even the strongest friendships. The plot is revealed in long dialogues and descriptions of what is happening. The secrets of the city's inhabitants come to light for everyone to see, as soon as they are dealt with. There are video inserts at key moments.