[@LordofthePies]

You can spend points or credits.

Credits can only be spent on items. Points can be spent on downtime things after you finish the mission. Back in the IC where in the down time you spend credits for larger actions or stuff you did over that time (buy a ship. create a drug ring ectr) so while points would be obvious at start to spend, due to it being cheaper.

the balancing act is that, you want to generally save points to do more complex/cool shit later on.