Arcade and Triple Triad are pretty much the only thing that uses credits. Also the market which is mostly disabled but you can change your username still and I think steal credits from members.
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Technically he didn't mention he had Windows 7 until *after* you posted about its mixer :p
You mean where after loading a savestate or re-fullscreening a game, the sound and music gets glitched out? I've had this same issue in particular with Squaresoft games (Legend of Mana mostly it seems). Unfortunately my emulator crashes anytime I try doing normal saves in that game though ;/