I'm in the same boat. All of my mods are trash and it is ridiculously expensive to get them up to date. However my biggest bottleneck at the moment (other than gear of course) is ability mats. I have like 80 zeta mats but can't stockpile mk IIIs and omegas long enough to use them
I remember the credit crunch, it was awful. Suddenly it wasn't a problem, I just don't remember when that changed. Purple mats too, now I have 1,500 on hand. and right now I keep 100 omegas as my 0 marker. Gear will always be the struggle.
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Problem for me is I keep running out of credits to level up my toons and mods.
Does anyone else have the same problem?
Credit heists but those only happen every 10-14 days.
Other than that I guess you have to wait and get more credits form Raids, TB, TW, etc.
What are you spending credits on?
You are likely trying too hard to do everything all at the same time.