downloads?? chatboxx??? credits???

for some reason i cannot access the downloads section,, nor can i post in the chatbox,,, i been a member for years and although my credits have declined lately,( just havent found anything new that ppl aint already got on here, ), but i was sure i only needed 5 credits to access this area, i have 7 at the mo,, but still im getting the no permission message,, any1 else having this?? have i done something wrong somewhere?? i wouldve asked on the chatbox,, but it seems i cant even type in there either.. any thorts???

You have to wait for the admins to accept your credits, When you go under 5 and upload an Inst or Acca then you have to wait, If you have over 5 you don't.