Tony,
Sounds like you're moving forward - good tee-to-green stats it sounds like. putting is always a challenge. I find that when I'm playing multiple rounds in a day and I'm bouncing between slow, fast, very fast and tournament greens, it's even harder! I've found that somewhere around 'fast' the distance tiers are right about on. If you go slow, 25' is actually not quite 25 feet; if you go very fast, 25' is more than 25' and so on. Of course slope (up/down and left/right) will affect that, as well as your ball and putter type. The more precision and forgiveness on your clubs/ball, the better off you'll be.
50 credits? Eh, you'll need a few more to do anything worthwhile. new balls would be my recommendation.
Re club distance, it's kind of the same deal as putting only with the wind, where the ball lands in the fairway (hopefully), how much spin you can put on the ball, green speed if you're on approach, etc. I learned the other day that even with good clubs and Callaway balls it's nigh on impossible to stop a mid-long iron tight on the green with the wind behind me.
All that said, I've noticed A LOT more weirdness since I made Master. At Tour Pro I was getting dialed in, shooting mid 60's fairly regularly, and generally being able to predict pretty well where my shots would go. At Master, it's like I'm learning the game all over again - my average skyrocketed up over 71 again and I am just not hitting the ball consistently. Some of that is me but even when I hit it flush, sometimes the ball inexplicably goes way off in another direction. That's particularly annoying on approach shots.
All I can say is hang in there. There are some neat ways to get large credit amounts - I've ordered flowers for my wife (a win-win if there ever was one), signed up for Netflix (30 day trial) and Real Radio (14 day trial). those will get you a few thousand credits with which you can get you some nice clubs/balls. But I would wait until you level up to where you can get some Ping K15s at least. Get you a Spyder putter ASAP and the best balls you can - Callaway is my recommendation.
Enjoy!