Credits come into in basically three ways at school:
1. Deciding if you are a full time or part time (you're full time) student. This is the most important, because it might kick you out of MSU, affect OSAP, etc
2. A minimum number of credits is usually required to move to the next level and to graduate (this will be on the course calender. I recommend you double check, because 21 seems low to me. I think Commerce needs 27, for example, to move onto level 2)
3. cGPA calculation. You will not be assessed on courses you never took/intended to take. You're cGPA will be divided by 21. Division by 30 is basically saying part time students are disadvantaged, or that they should all have near failing cGPAs.
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