Gold limit

I have almost 200 mil credits and I still roll my grey mods to lvl 12 to see if they are good. It simply doesn't take up that many credits. I split my mod energy between farming new mods and slicing materials depending on my needs. I'm always limited by mod energy long before credits.

I still have characters i could take to level 85 but they are limited by gear anyway so they are not terribly useful (and some are just bad characters I'll probably never take to level 85)

I do occasionally buy mods from the store but it has to be an amazing mod for that to happen. Right set, right primary, gold mod with 5 speed showing, and other useful secondaries that mesh well with both the set and the primary. Those don't show up all that often so not a huge credit drain.

And I don't use crystals to refresh the mod store and only rarely use them to refresh mod energy (ie I want to roll a mod and am short for some reason.) Some argue that you get more god mods by refreshing but over time you spend a lot of crystals to get a handfull of mods that are decent, a few good mods, and very few god mods. And the opportunity cost is that you potentially miss on the next panic farm or panic gearing and miss a meta toons.

So it is possible to build up a lot of credits and still have decent to good mods.