Good advice above. Concerning "free" credits, it's a long and arduous path, littered with disappointment. Nevertheless, many have taken it and taken their profit.
tguerr16:I've attempted to join about a dozen different clubs and have never received a email response.
There won't be an email response. It's a process of invite and accept, and then you're in, visible on your profile. Messaging by the owner is optional.
Before applying, make sure that the CC and it's owner(!) are active. Might be best to contact the owner (or his appointee) on their walls etc. before using the application button.
tguerr16:Can I create my own?
Yes, there should be a button on the main game page. It's 500 cr and a lot of work to attract members and keep the CC alive.