Honestly though, if you play the game enough to where you have money in escrow, JUST SUB! There's nothing more to it really.
It's absurdly simple to hit even the preferred cap. 350k credits is garbage money and takes no time to acquire. 1-2 days of dailies will give you that. It's not like the credit limit is millions of credits. Not sure why you insist somebody sub. Oh, I know why. You're the same type as so many others. Sub or GTFO, right?