Don't worry to much about it until AFTER you kill the warlord and can do the GU misions[found in the bridge options panel]. I had the 2million credits and paid Phoenix, got the info and ... nothing. THEN once the GU mision panel became available - there it was.
I don't know what the hell I did, because I did the GU mission and got the uterus, but Phoenix kept asking for the credits everytime I went to the club. Super annoying. I had to edit the save files to disable the mission.
