I get the frustratoin of wanting better gear but not having the money to buy credits - I really really do, but I think like others have said - watch videos / complete surveys / do whatever you can to build the balance up.
I have managed to build a relatively decent set of clubs ALL with free credits.
Right now, I am saving for a better putter - only about 300 credits shy now so should have it in the next month.
If improvements in your equipment are more urgent than that ....... you are just gonna have to open your wallet!