The credits/ Points system is a way of showing you how important you are to the community here.
Points can be earned by, Making freinds, Posting and replying to topics and you gain a very small amount everyday, just to show your length of time on the site.
If you have low points then you havent contributed much to TCHHL, maybe you should make some freinds and post some better topics.
If you have high points, you contribute alot to this website, you make a lot of good topics and you have quite a few freinds.