1) hack
2) scam
3) gamble
4) buy
5) phish
that's how I see it.. for really rich people anyway
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This. A lot of people are assuming that all really rich people are the same and got their credits the same way, but that's not necessarily true. For me personally, I've never classed myself as rich because there's always people with ridiculous amounts of creds/furni, but I bought credits and then with those credits I just kept buying/selling and slowly made more and more profit.
They buy from illegal sites and gamble or mech. My friend -Punchline never bought a single credit but her friends gave her a few junk when she joined and now she has like 50 000c