You need to have your NEO modded to access Dip settings. Ask Jeff Kurtz on the rech help board, or if you are feeling lucky, you can get a debug BIOS here from the neostore.
With a straight-up, vanilla system, you aren't going to get more than 4 credits. With the Debug you can set it to access all kinds of things. Its like a gameshark, but not shitty. It'll almost never crash your game. Almost.