So, what's your status? A L27 Amateur, just started. (NO pun, just to get an objective picture)
It all depends on how many credits you want to spend here. The main business of club sales goes up to L85 @300,000 XPs. There will be countless clubs thrown at you, promising another amelioration, only to be trumped by the next.
Then there are the tiers, somehow bound to your skills. Before you are two "Pro" tiers, two "Master" tiers, two "Legend" and two "Champion" tiers.
You may well play with the Starter clubs until becoming a Master, but perhaps you want to try out a lot of the fancy stuff? Caveat: You will tier up earlier.
The "top tier" of clubs start around L60, anything before is temporary, to stay in the game.
I'd not buy clubs this early, I'd even get rid of these COIN clubs. And, try out cheaper balls, e.g. the WGT GI3-S Balls @99 cr.
A budget way to get into clubs is to buy two short wedges (L39ish) and a 3WD, perhaps the MAX @L46, 500 cr.
As a general advice, buy when you feel the need to do it, for example after becoming a Master - you will learn why ;)