First of all welcome to the forum keri-j
I do not think posting is a big issue for anyone even for a 13 year old such as yourself. Think of it this way. Use this forum as a platform to learn new things and gain more knowledge. I am 19, but to be honest with you, in the what is forum, I hardly know more than 20% of what is being spoken about there. The learning curve is always there, and we should not pass out on such a good chance to continue learning.
There is no regulation that a member needs to have a certain level of web programming to be able to efficiently post here. I can tell you that every member is worth having on the forum, each person is unique with their input to the forums and I would be more than happy to read their opinions and comments.
I started on 31 August 2006, and now I have 110+ credits to my username. You can simple take 1 day and spend 20 minutes, and you can easily get 7-10 credits. So you can just post once every week in order to keep that quota or if you want, you can try doing what I do. Visit the forum whenever I am free, post whenever I have something to say, and soon enough, you will have an incredible number of credits and it will fill up for any emergency you might have