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The credits are the "cash" , you either have 50,000 or you don't.
You spend a fair amount of credits on vehicles and upgrades , also.
You may have spent a lot of you credits on those things.
Do I have to earn 50,000 credits in total (including the credits you've spent) or have them stacked up, in other words, when you have 50,000 credits in the bank and ready to spend?
It would be much better if the game earns you the achievement once you've earned 50,000 but I feel that the game was coded to give you the achievement if you have 50,000 credits or more ready to spend.
The credits are shown at the start of the game, along with your Level and XP.
You must have those credits showing on that screen, not invested in 10+ vehicles and upgrades, armor and livery options.
https://steamcommunity.com/sharedfiles/filedetails/?id=1914550073
Thank you for your help anyhow :)
You must accumulate 50,000 in credits, simple as that.
I have explained this the only way I know how......
"earned" equals all the cash you have saved PLUS all the cash you have spent
if it says "earned" it should mean "earned" if they want you to save 50K
it should say" SAVE" 50,000 credits, NOT "earn" 50,000