jVRNO:best way how to use these credits
I completely disagree that wedges are the way to go. What you need is to be on GIR and this means irons. I'd suggest that you take advantage of the free credits available and be patient. Get the Ping G25 irons.
The slower meter will get you on the green, with birdie in reach. Learn how to manage wind and elevation, and birds are there for the taking.
Good wedges are for when you are close enough off the tee to be using them for throwing darts. Those days are yet to come. Right now, good wedges help you save par. If you're on in reg, you're already putting for bird.