This was taken care of somewhat with the move to the new forum, but still got a few cases of it. It is fine to have a lot of credits and not spend them if you are still active on the forum. For those that cant even bother to chat or post, however, it is not good and we will take steps to rectify that. This is especially true for those sitting on top of the richest leaderboard. If you cant be an active member then you don't need the credits anyway. Simply lurking is not the same as being active and certainly does not deserve currency for it. Thus, some credits will be removed until you return and be active (or at least somewhat active) again. Once back, the credits that are removed will return.