What? You got unused credits now? Well, better use that cash then, don't want to keep some stuck cash there right? Oh, you missing 50 credits to get another creation, better buy those 50 cre- OH FUCKING WHY? Now, I'm not going to lie, the latest creations released have been far better than whatever the fuck Bethesda was releasing when the Club was first released, they all have unique quests and books with some lore, the houses are fine and Trainwiz's dungeon is actually pretty cool. You want to waste money to buy a 500 Credit mod? Well, fuck you, the cheapest pack is 750 credits. Yup, you have to buy them in packs, like fucking microtransactions.

From the UESP wiki: CC Credits can be obtained in the following ways. When you first open the Creation Club, you are 'gifted' 100 credits, or about a dollar, w o w. Creation Club mods are normally released in bulks. On this page we'll be talking about each mod released on the Creation Club, organized by release. This page won't talk about what the Creation Club is, read about the Creation Club by clicking here.

What is the creation club