It's not like you still can't play the game. Plus now you have all the credits you could ever need to race your friends online.
But it does mean you won't be able to splurge on the Storefront or any auction that takes your fancy on a whim pushing legitimate players way out of the running during the crazy bidding wars may cheaters get carried away with.
That's the economy you guys ruin, and Turn 10 and Microsoft is the government, you sign up to these rules as soon as you create a gamertag, consider the Xboxlive membership fee your taxes.
The punishment is fitting if you ask me. Just don't expect anyone here to believe the cryings of wolf when FM5 hits if you attempt the same thing again. I can't feel sorry for you because if PHREDesign hadn't publicly exposed you we'd all still be believing you were the innocent party. Not many people appreciate being lied to, or cheated out of something which is what I believe you intended to do with your ill-gotten credits. You won't be the last, it's banning season in fm4 lol