Credits aren't hard to come by if you play battle rooms. In a battle room, your personal $$$ is based on how much damage you do personally. If it's a large battle, the shared bonus credits really add up, with a bonus if your team wins. Also, the larger your ship, the bigger share of bonus creds you get, so you make more money as you use larger ships. My bonus creds in a DDX averages around 700 a game, whereas its around 2000 in my Balt.
Op Convoy, OTOH, gives no credits to anybody, and not much XP to the losing team. Another thing to consider is that stripped down "runner" ships aren't going to be earning any experts, so their crew will suck at higher levels.
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