Yes you are very correct @ peppesson.
But there are 2 credits per level as in a level you have to train ur max Str or max Def 1 time each, or 2 times any of them. For eg :-
999/1000 - If u complete this str experience bar, u won't advance to next level. U have to repeat it, or you have to complete ur defence experience bar or you have to complete ur defence experience bar twice.
At every jumper u will get 1 credit. And maybe same applies to HP (+10 HP) (not sure for HP though)