navigater: Those with K s of points,keep them as a statement to others.
I'm sorry sir, I have to disagree with that statement.
There is no way for you to tell how many credits I have unless I told you.. and I could tell you anything.
Credits can be bought, won, or earned, it's your choice.
There are also a large number of giving, helpful and charitable people on this site that will respond to a need when they see it... Most of them will not respond to begging in any way, shape or form.
If you have to ask for them, you're going to get turned down. If you make a lot of friends you may be surprised at the results.
So, bottom line.. have fun, make friends, play golf.
It's a beautiful thing.