How do i get Credit and what are the differences between member groups?

Hello everyone! Just new and a little confused, does the conversation line mean that you get 2 credits taken away when you have a conversation?? Im not sure how to interpret that.
 
This wat is also more secure, and makes the forum has less spam content! Awesome! 🙂
 
Hey, it is very hard to get credits for a newbie - I dont agree that the credit system prevents spam - i think it is more likely poeple write random stuff just to get credits
 
Although I don't agree with charging for points, but nullpro buy a lot of content and then sharing it
 
Thanks for helping new members!!