You need to acquire credits the old fashioned way...you EARN them!
Practice a lot, learn a lot, play a lot, then take on others in matchplay challenges. At 100 credits a match, I've equipped almost my entire bag and keep the ball pocket full. And, I have accumulated a nice little savings so I can acquire whatever the next "can't do without" club is.
When you learn this game with the freebie equipment, it teaches you to scramble. I don't care who you are...EVERYbody scrambles. Everybody hits bad shots. How well you can recover from those bad shots determines how well you score. It will take you longer to advance but you will learn this game right.
That was pure speculation...I might be wrong.:)
d.