This defeats one of the basic purposes of the CT. It means that if you are utterly destroyed in those first three days, you have no ready cash to help you rebuild, you might as well be unclanned, unless you are lucky enough to have a clan member on when you are.Suggestion based on that: minimum of 3 days clan membership before CT access is granted.
I'm in favor of some minor tweaks to keep from abuse, but the credit system seems more like a major overhaul. Here's the thing, in order to make an emp, you are going to need to fill, empty, and refill the CT several times. Right now, not even Sci-ops can put much more than 70 bil on the CT at one time. That is nowhere near enough to buy emp. It would take a giant clan with many high NW to get the CT to the point that it could make someone an emp in one fill. So, in order to limit abuse, let's just limit the number of times the CT can be filled and emptied per day. It can still be completely filled and completely emptied, if someone is in dire need of money, but it can't be done multiple times, preventing a clan from using this to make an emp. (Presuming they had that much spare cash lying about.)
I hope I'm not stepping in anyone's pudding by repeating a proposal they had already put forth.

