You forgot one important thing in that little list: the number of credits you want to transfer. Unless of course you plan on sending them one at a time, or something, but anyway...
I roughly know Feelay's tutorial on profiles, although I lack the effort to go and have a look. From what I remember, though, he's done a tutorial on sending private messages (PMs / mail) to other users? If so, the idea of sending credits is far more simple. Basically all you're doing (ignoring the part where people receive credits, which would work in whatever way you see fit) you just need to do the following (in steps, not code, because I'm lazy and it gets you thinking rather than copying/pasting):
- present the form
- once user has clicked "send" check the input fields (i.e. sanitise and validate any that need doing, so no sending of negative credits, all the inputs completed etc.)
- access the database
- make sure the user has enough credits to send
- make sure the receiving user exists
- deduct that many credits from the user, add them to the credits of the receiver
- display a message so the user knows
There are a lot more substeps of course, but it should get you thinking.
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