HOJ SIC terminal (or somewhere more appropriate that I haven't thought of) should also dispense Multipasses that let you on the mag-lev without slotting chyen.. just bills to your SIC or something. I don't know.
and maybe also work at super happy fun land and also let you in and out of the city gates, debiting your bank account.
.....whatever happened to the credchips? I see you can still get them, but seems to only be good for player to player transactions. a long time ago, I remember you use to be able to buy things at the shops with them.