Cr limit ?

Why is there an offline credit limit ?! I don’t have a router right not just wifi from phone and I can’t get online to get more credits why is there a limit ?

I have always wondered this, considering you can’t bring those cR online any ways, why is there an offline cR limit.

MI’M saving up to get an armor effect an I’m almost there I want to still be able to buy armor offline if halo 4 uses credits I better be able to use them offline