noblecomputing:
Second any equipment you do buy you can sell it back to WGT for a reduced rate..
Only clubs, not balls or accessories - and at the rate Esty said.
On a different note, unless you have a lot of credits to burn, hold off buying equipment as any equipment you buy before level 50 will not last long. Play daily and you will level up quickly and get better clubs that will last longer as you tier up. Use the time to really learn the game.