I suppose if I played all day I'd have the credits but who has all day? There is no way my daughter can save up those credits, so guess who has to try and get on her character and earn credits?...yeah ME! Trying to trade doesn't seem to work for me either. Even though I've been playing for over a year, I still just don't have the items that people are willing to trade for so I'm left with having to earn the credits for items I want.