The term Credit card warrior has come to mean an individual that has obtained access to high- or end-game level materials, armor, weapons, and items, though a pay-to-win mechanic within a game, usually an MMO, through the process of using real currency to obtain access to these item(s), thus causing a disparity in performance between these players and players who are either relatively new, or unable to take advantage of this mechanism due to personal financial circumstances or attitude against paying for such content. While some games, such as RIFT limit the influence of money within the game, some like ArcheAge have little such restrictions.

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