What are Credits good for? You can't buy anything useful with them! So it's basically that you get nothing if you are not playing high enough. Not everybody can be in Silver leagues and higher.
A bad decision again.
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OK, you can buy single cards with credits. Eh, not really interested in buying cards. I am just a casual player who plays a match or two and possibly finishes the quest just to be disappointed by the quest rewards which are nothing again.
Again, not everybody wants to buy thousand of cards and play at the top level. You are missing a point here.