You have a sub right ? I don't think I can make something close to this or even at creation point as a free to play player.If I remember correctly a free player was very limited in that.
you get styles from gear drop so its not sub only. there are some things in the cash shop but the majority comes from loot. As a free player you're just stuck with a credit cap of 2k unless they removed that. you can either sub or buy the dlcs for powers you only keep the powers until sub runs out as far as I remember unless you buy the dlc.