Lots of credits, or a loose credit card. I made master at 66. Shot a 39 and started over at a 78 avg. Have played over 300 rounds as a master, currently at 65.05 avg, don't think I'll ever make TM. Just keep grinding away and shoot under par rounds.When you get close to that 66 avg watch what scores you keep. When it changes if you just shot a 35 you will jump to master, avg 70. Trust me it takes a while to get that avg. back down. Hope this answered your question.