About the 500 credit monthly Premiums, entering them is fun and challenging.
If you are tight on credits , I'd recommend looking at the other scores posted and see if you're competitive before spending your last credits to enter. Those 500 credits may be spent investing in better wedges or ?
I enjoy the monthly premiums and enter even when knowing it would take my best round to break into the podium, so please don't think Im discouraging it. Just saying if limited credits available, put it where it will improve your game the most.
If you like to gamble , try the ready-go tourneys at 100 credits each. You can make the top half of field and earn some winnings ( and I think the top 15 make $$) versus only the top 3 players earning anything in the monthly premium