First go to the program files and find the path for sfc3.
For W98 it's program files/activision/sfc3/assets/metaAssets/singleplayer.
Now click on "character"
and edit the file (note you may need to use wordpad to edit. MAKE SURE THAT YOU
SAVE A BACKUP OF THE ORIGINAL) then where it says "StartingPrestige" put the
amount you wish to start with. When you start a new campaign, the amount you
put in is what you will start with.
Please note that there's a number of files that you can edit for a cheat.
An example is you can change the names of ships under "common setting" and
the prices of the supplies in the supply dock etc.You can also change the mass
of shields & weapon items as well as the damage, price, etc. and this can help
create powerful ships.
Finding cloaked ships:
Before a ship cloaks, enable "Follow Target". When the ship cloaks, you
will not be able to target it, but will be facing it when it decloaks.