I say get rid of it. Or increase it.
And ban and reset the boosters.
I mean, I'm a general grade 2. and grade 3 and 4 is both 150,000 cR so I can't level up in a day. I don't usually hit the credit limit anyway Because I try to wait til the challenges to reset before I go playing again. But if I do then I would be quite annoyed.
What is the actual point of the cap. To stop boosters. Or to make the game a very slow leveling process?.
If you get rid of it or Increase it to say 500,000 (even if that does sound excessive) people will be happier. Happier people = More people playing. As far as I see it.