You can spend your credits on many things and all of them will build your business one way or another.
For myself, I do not have a lot to spend so I try to optimize every T-credit. I bid on auctions with my T-credits. I look for autions with double MRP attached to them. I also make sure that I can actually use what I am bidding on and that I can afford to pay it, should I win the auction. When I have enough MRP's I buy single T-credits and earn 102VP for every T-credit I buy.
Another advantage of bidding is that you can earn PSA's - you earn a share of a PSA with every bid you place.
If you look at your To-do list you will see ways you can earn VP by using your T-credits. As we all know VP is what you need to grow your rank in SFI.
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You can spend your credits on many things and all of them will build your business one way or another.
For myself, I do not have a lot to spend so I try to optimize every T-credit. I bid on auctions with my T-credits. I look for autions with double MRP attached to them. I also make sure that I can actually use what I am bidding on and that I can afford to pay it, should I win the auction. When I have enough MRP's I buy single T-credits and earn 102VP for every T-credit I buy.