I don't want to rush to say that credits are a scam project, but the frequent delays in launching the blockchain make everyone worry and look suspicious. We'll see this year, if your accusations are correct, then everything will be proven.
It's too early to tell they are not the only project that paused launching their platform and mainnet, I have seen a lot because of the market condition, they are still performing well in their volume, let's give them this year, or when the market is up.