What is the best Vbulletin Credit system?

[MiShepsBasement]

I need a good credits based system for my forum.

Basically I need three main functions:

1) Method to earn credits (ie creating a thread)
2) Method for me to give credits
3) Method in which to use credits.

I am working on a new idea where I will be handling traffic, An item offered will earn 1 credit, an item borrowed will cost 1 credit type of thing.

I've been searching, and the only thing I can find is "vbcredits"... but that's over a year old, so I wasn't sure if it is the best option still available or not.

I would love to hear any input or suggestions.

Thanks!