Credits module is an addition to system which can be used in different ways: as classifieds program, online inventory management script, business/community software, simple yellow pages directory or even light content management system (CMS). This module allows to have a system where people could pre-purchase ad placement/membership credits. This allows the customer to pre-purchase ad space at a savings and then use their credit as they place ads. Only a single credit card charge can take place for multiple ads (or future ads) without getting charged a service fee from the credit card company for each individual transaction