MrPortman,
I don't mean to insult you, but I'm having a hard time understanding your English.
As a result, I don't understand your explanation of the NEMCredits.
I must be having the same problem as it makes no sense to me whatsoever

What exactly isn't clear?
I guess the whole context isn't clear.
From what I understand you are planning to issue an asset that behaves like a bond with weekly payouts that decrease the value until the value is zero...
But not sure however if I understood this correct

It is delivery on credit on which rate of 0% i.e. if you take 10000 that and you will give 10000. Means will automatically return to that who gave out a debt. These means it is necessary as it is possible to master quicker. It is direct analog of Gezzel free cash, only here the quantity doesn't decrease and it leaves into the account of that who gave out means on credit automatically every week of 1%.