You mentioned the opportunity to bargain. Please tell us in detail about the economic system in the game. I understand that it will be more difficult than in previous installments?
In The Witcher 3, there are several regions, each with its own economy. You, if you wish, can engage in trade and make money by delivering certain goods from one region to another. No man's land, in Velen, say, the people are very poor and starving. If you buy food anywhere and will bring it back with you an they will give the best price. Also, some dealers are willing to pay you more for certain goods. For example, metal smiths will give you a higher price than other traders.
In some cases, Geralt will be able to influence the state of the local economy. For example, in the vicinity of some villages inhabited by a monster who terrorizes the village. If witcher kills the beast, then he will be able to subsequently buy goods from local merchants at lower prices, because with death of the creature roads will be safer, and trade become more brisk. And in such situation everything would be a little easier even for you.
We have a few in-game currency. The main currency - Novigradian Crown. They can be accepted everywhere. In addition, there is the second additional currency - Temerian Orens, that had circulated in the previous games, and Nilfgaardian Florins. After the Nilfgaard conquest of the former Temeria, some traders refuse to accept Orens, preferring to trade for florins. To avoid problems with a variety of currencies, Geralt can collect them, and then, once in Novigrad, exchange [for the crown] in Vivaldi's bank, which was mentioned in the book. Thus, the economic system we got is really complicated and, at the same time, quite realistic.
Geralt will be able to make deposits in banks of Novigrad?
As I recall, this option, as deposits, is not available in the game, but you will be able to take a credit in the bank and then buy something you want.
An analogue of the credit card?
Yes it is. Why not?
What about percents?
Well, first you have to pay for previously received credit before taking the new one.