1. A system for credit arrangements in a virtual world environment comprising: a virtual charge card server configured to provide a virtual credit account to a user in the virtual world environment; computerized apparatus including a memory and a processor configured to maintain information regarding a virtual credit transaction in the virtual world environment involving a debt or obligation posted to the virtual credit account, wherein the virtual credit transaction involves one or more purchases by the user of one or more of various virtual products, virtual services and virtual items; and a bi-directional user interface programmed to exchange informational messages between the user and the computerized apparatus regarding one or more virtual credit account terms associated with said one or more purchases, and programmed to facilitate a transition by the user to an actual financial account from the virtual credit account based on user completion of one or more performance benchmarks in the virtual world environment.