Camates post is correct, but what is not mention is that the reason credits arnt enough anymore is because people arnt doing fates anymore because running dungeons is faster experiance gain.

If people would still be doing fates as much as they use to this issue wouldnt even have existed.

And 30 points per fate times 8 is 1k points every 5 fates since youll be working togheter with your FC to scramble up those points (hopefully).

But i guess you cant outrun both players and SE:s will to serve everything on a silver platter.