A credstick is a small pen-like device which can be inserted into various machines to transfer funds, much like a credit card. In 2070, credsticks are a primary method of transferring funds with no paper trail. Before 2070, they were the primary method of transferring funds for all low-cost purchases. Credsticks come in several different types, of which I am listing a couple below: A credstick comes in several different grades, which indicates the maximum amount of cash it can hold. They are: