I don't think that the credits are real money. If you click your credits a option should come saying "what are credits?" That will tell you all you need to know about them.
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As mentioned above the forum credits are not real money and can not be transferred to paypal. We do have several threads about this, basically these credits are in place as a way to encourage users to post and respond more on the forums - and will be used in the future to enable further things on the forums.
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