Roger, draw a graph with the quarter numbers going along the bottom and the credits going up the side. I would go by 4's up the side (4, 8, 12...).
You are starting with 12 credits, so you should have a dot on your y-axis at 12, because you have gone 0 quarters and have 12 credits.
Now, at quarter 1, how many credits will you have if you take 16? 28, so put a dot at (1,28).
Keep going. Your dots should all end in a straight line.