No need to create a credits with microcredits =0

[0xsaya]

When a user transfers all of their microcredits to the "to" address, in addition to creating a credits record for the "to" address, a credits record with microcredits set to 0 is also created for the "from" address. Generating a large number of credits records with microcredits set to 0 can cause wastage of network resources.

https://github.com/AleoHQ/snarkVM/blob/1485bdd42a6156e09dc09066b262302df9252bf0/synthesizer/program/src/resources/credits.aleo#L792