I am unable to compete for credits as well,funny that I live within 5 miles from 6 casinos...lol .
I refuse to buy and get used to the 400 credit balls I use the wgt balls with 2 spin and they are just fine for me. The ball stops but doesnt do anything fancy. I think they are 43 credits.
Watch some videos to get them free and keep the better balls for tourneys and play with the walmart balls elsewhere.
Like anything else there is always someone better and I dont get hung up on trying to win tourneys I just play them the best I can and go on.
I play golf on here to meet people and have a good time.
If you join a club anyone can make a tourney. I just saw one on mine this week that was a Starter clubs and balls only. Make your own tourney stating that and see how you do..