If you could only pick one I would recommend T-Credits
The reason for this is that you can easily pick up the 1500vp SO with a t-credit order, and then you can turn these credits into bids.
Each bid will grant 1 versapoint, and when you stack up MRP you can also buy single t-credits with these and gain even more points.
If you pick your auctions carefully as well you can either win IAHBE membership, or win PSA's - if you win PSA's you will likely get more than if you just had a single unit of S-Builder.
If you could only pick one I would recommend T-Credits
The reason for this is that you can easily pick up the 1500vp SO with a t-credit order, and then you can turn these credits into bids.
Each bid will grant 1 versapoint, and when you stack up MRP you can also buy single t-credits with these and gain even more points.
If you pick your auctions carefully as well you can either win IAHBE membership, or win PSA's - if you win PSA's you will likely get more than if you just ...more