Reputation System
Reputation is your standing in the JetCard world. It affects loan access, broker fees, hiring opportunities, and career progression. This page is the single source of truth for every rep delta in JetCard — flying, banking, leasing, and company events are all listed below.
Operators have their own reputation score that moves on a separate, slower track — see Operator Reputation.
Basics
- Starting reputation: 40
- Floor: 0
- Ceiling: 100
- Dual scoring: Overall reputation + Last 30 days (both visible on your pilot card)
Pilot Reputation — Earning
| Action | Rep Change |
|---|---|
| Complete a charter (base) | +1.0 |
| Smooth landing — under 100 fpm | +0.8 |
| Decent landing — 100 to 200 fpm | +0.3 |
| 5-flight completion streak | +0.5 (one-time milestone) |
| 10-flight completion streak | +1.0 (one-time milestone) |
| On-time loan payment | +0.3 |
| On-time lease payment | +0.2 |
| Refinance a loan | +0.2 |
| Lease payoff / buyout | +10.0 |
| Activity bonus (3+ charters in 30 days) | +0.5 / month |
A clean flight with a soft touchdown is worth +1.8 end-to-end (base + landing bonus). A bad one — see below — can wipe most of that out.
Pilot Reputation — Losing
| Action | Rep Change |
|---|---|
| Firm landing — 600 to 900 fpm | -0.5 |
| Hard landing — over 900 fpm | -1.0 |
| Abandon charter (pre-departure) | -1.5 |
| Abandon charter (in-flight) | -3.0 |
| Additional penalty for abandoning a diversion leg | -5.0 stacked on top of the base abandon hit |
| Void a multi-leg trip you generated | -1.0 |
| Release a sports or scheduled trip back to the board | -3.0 |
| Missed loan or lease payment (after 48hr grace) | -2.0 |
| Loan default (3 consecutive misses) | -5.0 |
| Lease termination (early return) | -10.0 |
| Declare bankruptcy | Resets to 0 (forfeits remaining rep) |
Booked charters that simply expire carry no rep penalty — the booking releases cleanly and the aircraft becomes available again. That’s the safety valve when you change your mind before flying.
Diversion legs are scored hard on purpose. A diversion leg is the recovery flight created when you divert mid-route. Abandoning that recovery — leaving the passengers stranded a second time — is the single worst thing you can do reputationally. In-flight diversion-leg abandon nets -8.0 rep (base -3.0 + -5.0 penalty); pre-departure on a diversion leg is -6.5 (-1.5 + -5.0).
There is no reputation decay for inactivity. Your reputation stays where it is until you take actions that change it.
What Reputation Unlocks
| Rep Level | Unlocks |
|---|---|
| Below 25 | No bank access — every lender refuses |
| 25+ | Entry banks ($1.5M, 11.99-13.49%) |
| 40+ | Regional banks ($5M, 7.99-9.49%), improved broker fees (5-7%) |
| 60+ | Private banking ($20M, 4.99-6.49%), premium broker fees (3-4%) |
| 80+ | Elite banking ($80M, 1.99-3.49%), elite broker fees (1.5-2%) |
Within each banking tier there are two lenders — a lower-rate / shorter-term option and a higher-rate / longer-term option. See Banking & Finance.
30-Day Reputation
Your 30-day reputation score reflects recent activity and is visible alongside your overall score. Operator owners use this to evaluate pilot applications — a high overall score with a declining 30-day score might signal a pilot who’s been inactive or making mistakes recently.
Operator Reputation
If you own an operator, your company has its own reputation score that moves independently of yours. It climbs on the same triggers as pilot rep — flight completions, landing quality — but at roughly half the rate. The design is intentional: a perfect-100 operator should stay meaningful, but a 50-flight company should still look materially different from a 5-flight one.
Operator reputation matters because:
- It’s visible on the Job Board — pilots evaluate you when applying
- At rep 0, the operator enters forced dissolution
- Long-term, it drives the operator leaderboard ranking
Operator Earning
| Action | Operator Rep Change |
|---|---|
| Charter complete (base) | +0.5 |
| Good landing — under 200 fpm | +0.4 |
Operator Losing
| Action | Operator Rep Change |
|---|---|
| Firm landing — 600 to 900 fpm | -0.25 |
| Hard landing — over 900 fpm | -0.5 |
| Pilot abandon (pre-departure or in-flight) | -0.2 |
| Pilot abandon on a diversion leg | 0 (no operator hit — pilot already paid the price) |
| Firing an employee (owner-initiated termination) | -2.0 |
| Pilot resignation (voluntary departure) | 0 (no operator hit — reflects on the pilot, not the company) |
Operator rep hits for pilot abandons are intentionally small (-0.2). A single bad pilot decision shouldn’t tank an operator’s standing — the pilot absorbs the real cost of the abandon. A diversion-leg abandon doesn’t hit operator rep at all; it’s already a salvage situation, not a fresh customer relationship failing.
Firing an employee is the largest single non-financial operator rep event (-2.0). Outside parties read frequent terminations as a workforce stability issue — pilots looking at your Job Board listing notice. Voluntary resignations don’t carry the same signal and don’t hit operator rep.
Both you (the pilot) and your operator collect their respective rep on every flight your pilots fly. Hire a fleet that lands soft and operator rep climbs steadily. Hire pilots who balloon onto runways at 900 fpm and you’ll feel it in the company score even when your own pilot rep is fine.
Forced Dissolution (Operator)
If your operator’s reputation reaches 0, it enters forced dissolution with a 48-hour grace period. During that window the owner can recover by flying clean trips and pulling the score back above 0; once the timer expires, the operator is dissolved automatically. Aircraft return to the market, pilots are released to FREELANCE, leases/applications/bases/messages are cleared, and 20% of outstanding debt (capped at $500k) transfers to the owner’s personal balance. See Company & Operations for the full cascade.
Bankruptcy (Pilot)
A pilot whose finances have collapsed can declare bankruptcy from the Bank page. This resets reputation to 0, discharges all loans/leases, zeros the balance, and reverts the pilot to FREELANCE. After bankruptcy the bank stays locked until you rebuild back to reputation 25.
OWNER pilots cannot declare bankruptcy directly — the operator must be dissolved first.
Centralized Reputation Reference
Every rep-affecting action in JetCard. Use this as the look-up table when you want to know what something costs (or earns) before you do it.
Flying
| Action | Pilot Rep | Operator Rep |
|---|---|---|
| Charter complete (base) | +1.0 | +0.5 |
| Smooth landing — under 100 fpm | +0.8 | +0.4 |
| Decent landing — 100 to 200 fpm | +0.3 | +0.4 |
| 5-flight streak (milestone) | +0.5 | — |
| 10-flight streak (milestone) | +1.0 | — |
| Firm landing — 600 to 900 fpm | -0.5 | -0.25 |
| Hard landing — over 900 fpm | -1.0 | -0.5 |
| Abandon — pre-departure | -1.5 | -0.2 |
| Abandon — in-flight | -3.0 | -0.2 |
| Abandon on a diversion leg (additional) | -5.0 stacked | 0 |
| Void a multi-leg trip | -1.0 | — |
| Release sports/scheduled trip | -3.0 | — |
| Expired charter booking | 0 | 0 |
Banking & Leasing
| Action | Pilot Rep |
|---|---|
| On-time loan payment | +0.3 |
| On-time lease payment | +0.2 |
| Refinance a loan | +0.2 |
| Lease payoff (buyout) | +10.0 |
| Activity bonus (3+ charters in 30 days) | +0.5 / month |
| Missed loan or lease payment (after 48hr grace) | -2.0 |
| Loan default (3 consecutive misses) | -5.0 |
| Lease termination (early return) | -10.0 |
| Declare bankruptcy | Resets to 0 |
Company
| Action | Pilot Rep | Operator Rep |
|---|---|---|
| Forced operator dissolution | — | Triggered at 0, see cascade |
| Firing an employee (owner termination) | 0 | -2.0 |
| Pilot resignation (voluntary) | 0 | 0 |
| Releasing an aircraft (cascade-void) | 0 to stranded pilot (no penalty) | 0 |
| Promotion / demotion | 0 | 0 |
| Base purchase / close / reassignment | 0 | 0 |
| Hiring a pilot | 0 | 0 |
| Pay rate raise | 0 | 0 |