Welcome to FT!

YEG_SE4Life's concierge suggestion is the best one, probably.
[MENTION=29064]yyznomad[/MENTION], when you nominate someone and upgrade them, all of the credits come out of your account, there's no partial deduction or anything - your initial post was the most correct. The only way something can be done here is if the concierge manages to work a favour for the OP to effectively transfer a credit.

Although given the news in the other thread that they've shut down the ability to borrow eUps when about to cross a threshold, I'm not sure whether AC is in a mood to be flexible with eUps.