Anything that is purchased from TripleClicks can be paid for via your account (i.e., you can charge your account [by support; phone or chat], or via earnings), visa/paypal etc, TCredits and or MRP.
I let mine mount up, I think you have to use them by 6 months. Once they mount up you could make a big purchase.
You do not gain any VP when purchasing via TCredits or MRP.
I hope that helps. :)
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