Currently I'm down to 146 credits. I find this quite surprising since I scored a decent 101 points, which puts me reasonably high in the rankings (133/1870).
The rate this is going, by the time the Giro comes around, I'll be close to 100 credits and at a huge disadvantage compared to the people who come in late for the separate Giro competition. This will take the fun out of the game for me.
At the absolute minimum, you need to reset the credits when the Giro, TdF & Vuelta start, so we are on equal footing with the late starters. However, I think the entire rider valuation system is flawed. A team in the top 10% should certainly be gaining credits, not losing them. So I'd really like you to fix it or just reset the credits after each stage. The latter may be the best solution, since tuning a system like this is probably quite hard.