Struggle for those first few ships like we all did.
Start up secondary BO (and crew) to become CV. Not only will you wind up with CV but you will also place your gunners several levels ahead of your gunship BO where they need to be. Also, since you are starting over with already leveled gunners, those small ships become instantly more fun.
Eventually...
Get CV...CV=ChaCHING! Once you get CV credits are no longer an issue.
Remember: We all started down there, and we all (at least Beta players...) struggled to scrape up those early credits. I remember well reaching the required levels for new ships but being unable to afford them. It forced us to stay in smaller ships, grow better sailors, and learn how to play better...
Sorry that there is no easy answer-short of someone giving you the creds.
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