This is how I would envision a credits system would work.
First of all, it would require a store overhaul.
Special–Any cosmetic items that aren’t in Events or Battlepasses are put here.
Event–Items from past events are put here after the event ends. Further splits into all of the events (I.e. it splits into Fracture/Winter Contingency/Cyber Ops/ect/ect all of those sections contain content from those events. Fracture further divides into the past fractures. (I.e. Tenrai fracture/pass 2 fracture/pass 3 fracture, ect ect) )
Seasonal/Battlepass–Items from the past BPs come here and split into the different seasons (like the events)
A store bundle would contain every single item in the store at that time.
Section bundles include all the content in that section (Special Bundle, Event bundle, Seasonal Bundle)
Subsection bundles would include all content for that subsection (Fracture bundle, Winter Contingency bundle, Cyper Ops bundle, Season 1 bundle, Season 2 bundle, ect, ect)
Bundles would go down even farther, (Tenrai bundle, Season 2 fracture bundle, ect, ect)
Or you can buy every item separately, but the bundles have more content for the price. Bundles are also cheaper if you already have items from that bundle.
Different bundles would include the following: Coating bundle, Helmet bundle, Hip attachment bundle, Weapon skin bundle, ect, ect.
The whales would of course just buy everything, giving MS a big influx of money.
There would only be 4 seasons in the store at one time, 3 would be the latest 3 seasons (i.e. in 2 years, we would have had 8 seasons, 8, 7, 6 would all be in the store, 5,4,3,2,1 would all rotate on a weekly basis)
Same for events. (fractures of seasons 8,7,6 would be the permanent fractures while 5,4,3,2,1 would be rotating)
Special would do the same (special content for seasons 8,7,6 would be permanent at the time, 5,4,3,2,1 would be rotating)
More opportunity for MS to make money and more freedom to the player to buy stuff.
After every battle, your score is transferred to credits (let’s say you got 3000, very high. 1 credit per 150 score That would transfer to 20 credits) then you get an extra 10 credits for every battle won and 2 credits for every battle completed.
For this particular battle then, you would have gotten a 22-32 credits.
If you got 22 credits per battle for 300 battles straight (which is highly unlikely) you would end up with 6600 credits (9600 if you got 32 for 300 battles). With this new store system that would get you a fair amount of content. And if you didn’t like the amount of credits, you could always buy some credits with money. The player wins and MS wins.
For custom battles, your final credit gain is modified by the bot difficulty you are going up against, this is to prevent cheesing the credit system. It would try to remain as fair as the online credit gain
If you bought the campaign (not the gamepass) you would also gain + 10 credits per win and the credit multiplier for score would be 100, not 150. Every battle completed would give you 5 instead of 2. If you got a steady 3000 score for 300 battles, in total you would get (30 for the score, +20 for wins, + 5 for completed battle) 35-55 for 300 battles, that turns out to 10’500-16’500. MS gets money from the campaign and the player wants to buy it to get a good stream of credits to spend ingame.
Add in crosscore and I feel this would be a system that benefits both MS and the players