The casino will likely extend your credit from 10 to 20 percent. You can also buy-back your markers at the table, or buy them back at the cashier's cage.

Ideally, the casino would like you to pay-off your markers when your stay at the casino is over. Each casino is different, and your history with any club gets you more time to pay off your markers, but a general rule is that if you don't buy back your markers at the end of your trip you should pay them off with a check a week after your trip ends.

Do expect a call from the casino's credit manager shortly after you return home. In Nevada, markers are treated like a standard bank check.

If you don't honor the check you can be charged with check fraud theft and bad check charges. This won't happen quickly, as the casino won't send your check to the bank if you pay quickly.

Regardless of how quick you are paying your debt, be kind on the phone with the credit manager, and if you over-extended yourself, tell them that.

The casino won't sweat too much if you simply say you spent more than you anticipated and give them a real-time frame for repayment. If you dodge their calls or make promises without delivering, our markers go to the bank.

Remember that when you sit down at a blackjack table and draw a marker, the bosses will keep a good eye on you. They do expect to see you playing your chips.

If you don't show action in your player's account, they will quickly contact you and may cancel your credit. That's not good if you want credit at another casino.

It is customary for patrons to pay back the marker before leaving the casino if they have enjoyed a winning session. Many patrons believe obtaining casino credit is easy, particularly in Las Vegas.

However, according to gaming expert Frank Scoblete, casinos in Atlantic City require in-depth financial information including a patron's net worth.

Many people also believe a marker is totally interest-free. But, interest charges of 18 percent and higher are charged if full payment is not received within the agreed time frame.

Failure to pay a casino marker is a serious offense. In major gambling cities, such as Las Vegas and Atlantic City, failure to pay markers is considered a felony.

Patrons who cannot pay markers within the specified time frame should contact the casino credit department.

The casino will work with the patron to fashion a payment plan, with interest charges, rather than file criminal charges.

Tom De Martini is a journalist with more than 25 years of experience covering everything from the U.

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