@DfnerWhoa... some people getting the SEC for 15-30 credits and some spending 2500 credits and still not getting it... makes one very hesitant to start spending their credits...
There are two factors affecting this
1) As with any games of chance there is always a possibility of winning quickly and cheaply and there is also always a possibility of losing badly if you continue to play.
2) With this scratch card, as with the previous scratch cards, if there are not enough cards in the store that you could buy then the prizes that would have entailed cards are replaced by wins of credits. This means that for those of us with full or nearly full collections the chances of winning credits (or at least getting our stake back for a scratch card) are greatly increased. Our chances of winning something are not increased because other members will be winning 20% discounts on 5 cards rather than getting their money back. Of course if they don't want the cards they have won then they may not regard this as a win but in terms of credit value it is.
As a result, if you are playing only for the SEC and do not want any other cards then those of us with full sets will tend to pay much less than those that still have cards that can be purchased in the store.
You coud regard this as being a reward to what others have been calling Totem's "best customers" - several posters (though not myself) have suggested that such customers should be rewarded in some way.