@davidcowling949, these three options are fine to use:
- Preciso de (I need to…) ir ao multibanco
- Tenho de (I have to…) ir ao multibanco
- Tenho que (I have to…) ir ao multibanco -> a purist would only say ter de here, but at this point in time, it’s fine to use ter de and ter que interchangeably. More on that here: Ter de vs. ter que
In this case, street cred depends exclusively on your account balance!
@stephencanthony, could you expand on your question? Maybe with examples of what you’re having trouble with?