💴Credit to Black Credit

100 Credits = 1 Black Credit To start, talk to Credit Agent. Choose the 3rd option. You're going to be forwarded to a different dialogue with 2 options. 1 is to swap your credits to black credit and the second is for your black credit to credits. We're going with the 1st one! Just like the other guides, the npc can let you swap all the credits you have for black credits or you can choose manually. For the sake of our guide, we're going to choose manual(1st option) After choosing that, we're going to continue with the exchange Just going to type one since that's all we need. After that, you will be prompted that you will receive 1 of Black Credit. However you have to pay a 10,000,000 Zeny fee for converting your Credits into black credit. If you agree, go with Proceed! Once you press OK, you will receive a black credit and the NPC will thank you. Congratulations! You are now a proud owner of 1 Black Credit which is worth 1,000,000,000 (1 Billion Zeny).