Yep.<br/><br/>I think you're fine spending 500 credits in starting gear, as you can buy stuff in-game, though if you want more stuff and don't mind your Obligation and more chance for your backstory to bite you in the ass from the off (along with the Strain Threshold nerf), you can go ahead and do that.<br/><br/>+5 Obligation for 1000 credits extra<br/>+10 Obligation for 2500 credits extra<br/><br/>You can also gain more experience too;<br/><br/>+5 Obligation to gain +5 xp<br/>+10 Obligation to gain +10 xp<br/><br/>You cannot gain more Obligation than you have as your starting amount, so you can only gain +10 Obligation via these methods in total for this game.