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My friend was a lt coloneal but didn't spend and credits (offline) and when he went online it asked him to give up all of his credits or something, he said yes and his credits were reset to 0 and because cedits= exp he was reset to sergent.
So if you reached inheritor offline then you would be reset to the last time your credits were at 0 when you convert to an online account.
And the last time i bought something was the cbrn variant for the gungnir helm at the rank of noble.
So that is probbably where you will be in the reach ranks, noble...