Partial answer related to Acrabb3's answer.
The answer was
I think the first explanation is incomplete.
If you are currently well-educated, why would you then pursue more credits? Most people pursue something useful with the degree made up of credits. A better explanation is that it was an object of pursuit, to a figurative degree, where you pursue them until you have the literal degree.
More importantly, I'm thinking the second explanation must be different.
"Gamer" in the video/board/card game context just doesn't make sense. The riddle asks about "this game", not games in general, and any application of "credit" would have to be specific to a single game, since not all games have in-game credits, cards, or even ending credits. Without knowing which game, it's very difficult to answer a clue based on it.
Further, it seems rather odd to have a riddle that depends on general trivia for two parts, and specific knowledge of a specific game that many veteran gamers have never played for the third part.
So I think you're referring to the "game" of raising your credit score. I've never heard it talked about that way, but it fits better than video/board/card games.
In the credit score game, you might bring your own credit card so you can rack up a better credit score with little cost. Your bank account is also relevant, as you need to not overdraw your funds, and need enough in the account to pay your bills. Credit score tends to go up over time with no cost just by living normally without defaulting on payments and so forth.
Your addendum ("this is a newer game mechanic") makes this a bit weird, as credit cards were invented in 1950, some thirty years before circa 1990 when credit scores were established. But a lot of people don't have credit cards, where almost everyone has a bank account and credit score.
That said, credit itself has been around since the beginning of recorded history. In that context, credit scores and cards are new to the game. But we would generally think about "reputation" or "honor" in those older contexts, where "credit" is the loan given to honorable people with well-established reputations, not the reputation itself.