A gaming system and method of playing a gaming device by a user. The method includes inserting a voucher having a voucher value into the gaming device and accessing a database having voucher data associated with the voucher. The voucher value is verified. The user is queried for a credit value of a base wagering denomination. Calculations of full game credits and partial game credits are performed based upon the voucher value and the credit value. The full game credits, the partial game credits, and the voucher value are displayed on a game display. The method allows partial or all credits to be played at any time. The method provides for recording of game events to a database. The method also allows for the user to change the base wagering denomination during game play.