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Note: The following guide is NOT meant to be taken seriously! It was born as a "challenge"/joke between TheWizard (me) and Azuremen, in the "Just getting started" thread - (link: https://www.gtplanet.net/forum/showthread.php?t=53675&page=1&pp=20 ). Read it with this in mind. 
Here is what you have to do to end up with 0 credits, it's easier than you think*.
When you start the game, you have 18,000 credits. Buy a Mazda Miata MX-5 (the one that's listed @118HP in the Specs, but has really 114HP, once it gets to your Garage), third car from the left, in the Mazda dealer, for 17,000 credits.
Now you have a few options to get down to 0 (each of the following options totals 1,000 credits) - (of course, you only need to choose one of them):
- purchase Racing Chip @ 1,000 credits
- purchase Flywheel/Sports @ 400 credits, wash your car 12 times @ 50 credits each
- purchase Flywheel/Sports @ 400 credits, wash your car 2 times @ 50 credits each, perfrom 2 oil changes @ 250 credits each
- purchase Flywheel/Sports @ 400 credits, wash your car 2 times @ 50 credits each, purchase 1 set of new wheels @ 500 credits
- purchase Flywheel/Sports @ 400 credits, wash your car 7 times @ 50 credits each, perform 1 oil change @ 250 credits
- purchase Flywheel/Sports @ 400 credits, purchase Flywheel/Semi-racing @ 500 credits, wash your car 2 times @ 50 credits each
- purchase Flywheel/Semi-racing @ 500 credits, wash your car 10 times @ 50 credits each
- purchase Flywheel/Semi-racing @ 500 credits, perform 2 oil changes @ 250 credits each
- purchase Flywheel/Semi-racing @ 500 credits, purchase 1 set of new wheels @ 500 credits
- purchase Flywheel/Semi-racing @ 500 credits, wash your car 5 times @ 50 credits each, perform 1 oil change @ 250 credits
- purchase Flywheel/Racing @ 900 credits, wash your car 2 times @ 50 credits each
- purchase Lightweight/Stage1 @ 1,000 credits
- wash your car 20 times @ 50 credits each
- perform 4 oil changes @ 250 credits each
- purchase 2 new sets of wheels @ 500 credits each
- wash your car 5 times @ 50 credits each, perform 3 oil changes @ 250 credits each
- wash your car 10 times @ 50 credits each, perform 2 oil changes @ 250 credits each
- wash your car 10 times @ 50 credits each, purchase 1 set of new wheels @ 500 credits
- perform 2 oil changes @ 250 credits each, purchase 1 set of new wheels @ 500 credits
- wash your car 5 times @ 50 credits each, perform 1 oil change @ 250 credits, purchase 1 set of new wheels @ 500 credits
The options above take care of every possible combination to spend the last 1,000 credits that you end up with after buying the Mazda Miata MX-5 for 17,000 credits (excluding, of course, the combinations in which you just change the order of the operations).
Purchasing the Lightweight/Stage1 is the option that takes the LEAST amount of "button-pressing".
In fact, buying the car (assuming that you start with the cursor over the "Home" icon, requires you to push buttons for a total of 13 times** (namely, Up, X, X, Right, Right, X, Right, Right, X, Right, X, X, X) + 1 more time (Triangle) to exit back to the "Simulation Mode" screen (the cursor will be over the "Car Dealer" icon), while purchasing the Lightweight/Stage1 requires you to push buttons for a total of 8 times: Right, X, Up, X, X, X, X, and X - this is when you will be finally able to see 0 credits on your screen.
So by pressing buttons for a total of only 22 times, you will be able to reach 0 credits. I ASSURE you that this is the LEAST*** amount of "button-pressing" possible to get yourself an eyeful of 0 credits on your screen - absolutely fantastic
lol! 
* The method described was tested on a NTSC U/C version, ONLY - number of credits might be different on other versions.
** This assuming that you start the game for the first time. If you are at a point in the game with 18,000 credits and you are in a car already, you will have to press X one extra time, as the game will ask you "Get in now?" and you will have to OK it, before being able to press Triangle.
*** This method was performed/tested using a PS2 original controller, ONLY - total number of operations/"button-pressing"/types of button pressed might be different with a different type of controller/wheel/button set-up.
Now
to TheWizard!
(j/k guys!)
This concludes the "Ultimate Guide to Get 0 Credits on GT3", the most useful thing that one might need - c'mon, you can't deny how useful/amazing my guide is... lol!
- (being "ultimately" sarcastic here!).
The Wizard.
Here is what you have to do to end up with 0 credits, it's easier than you think*.
When you start the game, you have 18,000 credits. Buy a Mazda Miata MX-5 (the one that's listed @118HP in the Specs, but has really 114HP, once it gets to your Garage), third car from the left, in the Mazda dealer, for 17,000 credits.
Now you have a few options to get down to 0 (each of the following options totals 1,000 credits) - (of course, you only need to choose one of them):
- purchase Racing Chip @ 1,000 credits
- purchase Flywheel/Sports @ 400 credits, wash your car 12 times @ 50 credits each
- purchase Flywheel/Sports @ 400 credits, wash your car 2 times @ 50 credits each, perfrom 2 oil changes @ 250 credits each
- purchase Flywheel/Sports @ 400 credits, wash your car 2 times @ 50 credits each, purchase 1 set of new wheels @ 500 credits
- purchase Flywheel/Sports @ 400 credits, wash your car 7 times @ 50 credits each, perform 1 oil change @ 250 credits
- purchase Flywheel/Sports @ 400 credits, purchase Flywheel/Semi-racing @ 500 credits, wash your car 2 times @ 50 credits each
- purchase Flywheel/Semi-racing @ 500 credits, wash your car 10 times @ 50 credits each
- purchase Flywheel/Semi-racing @ 500 credits, perform 2 oil changes @ 250 credits each
- purchase Flywheel/Semi-racing @ 500 credits, purchase 1 set of new wheels @ 500 credits
- purchase Flywheel/Semi-racing @ 500 credits, wash your car 5 times @ 50 credits each, perform 1 oil change @ 250 credits
- purchase Flywheel/Racing @ 900 credits, wash your car 2 times @ 50 credits each
- purchase Lightweight/Stage1 @ 1,000 credits
- wash your car 20 times @ 50 credits each
- perform 4 oil changes @ 250 credits each
- purchase 2 new sets of wheels @ 500 credits each
- wash your car 5 times @ 50 credits each, perform 3 oil changes @ 250 credits each
- wash your car 10 times @ 50 credits each, perform 2 oil changes @ 250 credits each
- wash your car 10 times @ 50 credits each, purchase 1 set of new wheels @ 500 credits
- perform 2 oil changes @ 250 credits each, purchase 1 set of new wheels @ 500 credits
- wash your car 5 times @ 50 credits each, perform 1 oil change @ 250 credits, purchase 1 set of new wheels @ 500 credits
The options above take care of every possible combination to spend the last 1,000 credits that you end up with after buying the Mazda Miata MX-5 for 17,000 credits (excluding, of course, the combinations in which you just change the order of the operations).
Purchasing the Lightweight/Stage1 is the option that takes the LEAST amount of "button-pressing".
In fact, buying the car (assuming that you start with the cursor over the "Home" icon, requires you to push buttons for a total of 13 times** (namely, Up, X, X, Right, Right, X, Right, Right, X, Right, X, X, X) + 1 more time (Triangle) to exit back to the "Simulation Mode" screen (the cursor will be over the "Car Dealer" icon), while purchasing the Lightweight/Stage1 requires you to push buttons for a total of 8 times: Right, X, Up, X, X, X, X, and X - this is when you will be finally able to see 0 credits on your screen.
So by pressing buttons for a total of only 22 times, you will be able to reach 0 credits. I ASSURE you that this is the LEAST*** amount of "button-pressing" possible to get yourself an eyeful of 0 credits on your screen - absolutely fantastic
* The method described was tested on a NTSC U/C version, ONLY - number of credits might be different on other versions.
** This assuming that you start the game for the first time. If you are at a point in the game with 18,000 credits and you are in a car already, you will have to press X one extra time, as the game will ask you "Get in now?" and you will have to OK it, before being able to press Triangle.
*** This method was performed/tested using a PS2 original controller, ONLY - total number of operations/"button-pressing"/types of button pressed might be different with a different type of controller/wheel/button set-up.
Now
This concludes the "Ultimate Guide to Get 0 Credits on GT3", the most useful thing that one might need - c'mon, you can't deny how useful/amazing my guide is... lol!
The Wizard.