i was wonderin this before but i found this read it: http://www.gamerenders.com/forum/index.php?showtopic=5137
Basically credits are money, not real money but fun money. Although you can well you could buy credits with real money which i'm not too sure about now. Staff have taken off credits for posting, as a campaign for anti-spamming, which seems fair. Also people may pay you -to render/cutout an image -for making them a graphic -for sharing info -for helping them out etc They do this by clicking Donate Credits underneath your GR Credits amount on the left hand side, lower down from the members name. When you get credits you can spend them in the shop, or if people are selling rights to PSD's, tutorials, Sigs etc then you'll be able to purchase them requiring you have the right amount. All may seem complicated, but you'll get the hang of it fairly quickly, good luck and enjoy