Are you taking advantage of all of the "free" credits? Visit each character every day and get 20 credits from each (total of 100). Create or edit a song in the music game every day and get 10 credits (I think). You can get 10 credits each time you play your song each hour. Did you find all of the hidden mickeys? Did you use the free credit codes posted here on the DIS? The jungle cruise game gives you 20 each time you play, no matter what you score. The pirates game gives you credit each time you win. Have you sold all of the clothes you don't want?