But you have to pay real money to get them either by a sub or payment for a pack. In-game credits are free from selling junk /mission rewards
Actually, no. I am going to pay my sub to play this MMO regardless of the CM. Why? Because I enjoy the game a lot.
So actually... for me... the free cartel coins each month are better then in game credits because I don't have to expend any incremental effort to obtain them.