Gold limit

Credits aren't the limiting factor for mods. I get more credits than I get mods or slicing materials for farming. So they build up. There is a tangible benefit though. I always have enough credits to level any mods I have, level good characters (took malak immediately to 85 and had no worries), and buy any amazing mods I see in the shop.

I'd have to spend crystals to make my credits go out faster on mods and the very tangible benefit of having a stash for the next meta is why I don't do that.