After the cards are dealt they are given the choice to either hit (receive new cards) or stand (stay with the cards in their hands). Each two players start out with two cards. The goal is to get as close to 21 as the player possibly can. In-game the actual rules of blackjack apply except for splitting. If the player fails to repay their debt after a significant amount of time, the player will be persistently attacked by four shotguns and M4s-armed gunmen in a Sentinel whenever they are in Las Venturas, until they repay their debt. Borrowing money puts the player in 'debt', resulting in the player receiving phone calls from the loaner about returning their money once the player leaves a casino. The amount allowed to borrow in each round at the table is based in how high the gambling skill is the higher the skill the more is allowed to borrow. When the player runs out of money (having $0), the player can borrow money from the casino when playing at a casino table (an amount of borrowed money corresponds with the player's wager on the table), leading to a negative money value. There are certain activities that bars the player from playing due to a low gambling skill, such as the Wheel of Fortune, which only allows those who could at least wager a maximum of $10,000. The skill increases by 1 for every $100 spent up to a maximum skill of 1000.

In GTA San Andreas, the player can increase the gambling skill of Carl Johnson by spending money at the casinos. With it's expansion in GTA San Andreas the chances of losing/winning are more probable.

In Grand Theft Auto: San Andreas more activities were available that the player can take part in to wager money on in order to gain more money if the player wins the activity or lose the money wagered if the player loses the activity. The ability to wager money is first introduced in Grand Theft Auto: Vice City, when the player must pay entrance fees for Vice Street Racer events, with a set limit on how much he or she can bet, and perform well enough in the races to break even. Gambling is the wagering of money on an event with uncertain outcomes with intent to win additional money.

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