If they are earned like I believe (lowest players scores win credits) then I would suggest a change, allow the lowest players the credits like always but give us hacks some incentives to want to keep playing.
Maybe 2 credits for 240 ish drives, 2 credits for being with x feet of cup, 10-2 credits for aces, eagles & birdies.
That way we have a chance to earn enough credits to be able to get a nicer set of clubs.
Just an idea, I love the game but if I never play a good enough round I am stuck with these crappy starter clubs....ugh!