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Nail Cred is like a bad debt you owe someone because you got beat up in a back alley. The more you annoy them, the bigger the beatdown you’ll get later.
I got 10 Nail Cred from my cousin after I stole his lunch money 5 times.
My boss gave me 20 Nail Cred when I made a mess of his office again.
My mom cashed in her Nail Cred and gave me a whooping after I failed my math test.