You don't lose credits IIRC - no limitation to put them in the pot.
Me thinks the limitation is "credits added to the earnings only when the CC has more than 10 members", a rule against one player alone in her CC who exposed the insanity of the "earnings".
To the OP: The credits must be rewarded to you before they show in the earnings. See the learderboards for the fake $ display, or your account for the credits added. This may be delayed by two weeks or more.
New program errors not excluded...