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Locknuts said:
I remember when you used to just punch in a code if you didn't want to grind all day.

What luxury is that you're speaking off. Back in my day we used a hex editor on save games, or alter active memory with an Action Replay cartridge.
There are save game editors for GT5, it's only a matter of time before they're available for GT6 too. Buying in game credits does not make sense.