pls make them as passive global bonus stats in the formula
example : base stats + bonus stats (capped by base stats) + global passive bonus stats from credos not affected by anything.
credos stats can be gained only once , and getting extra "base" stats on low level is waste , at same time u could wait forever to get this bonus stats because the later u get them , more they worth, excluding any reason to start anyways.
additionaly credos cost hell alot of exp and it keeps increasing.
on top of it, certain quests are hard to finish.
if everything is piled up together , this bonuses definetely need different placement in stats calculation , because they are hard to get but certain credos like inventory expansion is a must.