TIL spending 240k for 4 rares is a better option than spending 198k for 4 rares.
If you're going for gold card drops exclusively then of course the 100k packs are better. Spectre packs give a better balance of rare drops and silver consumables. To use the 240k example you'll get 8 silvers with 100k packs and 16 silvers with spectre packs. Hell of a difference in general and for newer players in particular since they're usually low on consumables and don't get rank 4 drops yet.
Hey OP, for your first account, you want to make sure to have in game consumables to use every match. This will help you complete matches, meaning you are maximizing your credit gains.
As such, strategically buy JEPs when required, as these will provide good value with useful consumables. This is very important.
Early on, you (like everyone) will want to unlock more powerful weapons and characters. Save for 99K packs regularly (mixing in the purchase of JEPs to resupply) as these will provide the most guaranteed rare cards (and by extension, better odds of getting ultra rares)
It sounds like you are past the very beginning, where I would recommend spending the first 40k or so on recruit packs to upgrade your common items and acquire a base of consumables.
IMO, one of the biggest fallacies other posers will state "buy veteran packs until your uncommons are maxed out". Your manifest is about strategic balance between always having enough consumables and adding / upgrading your weapons / characters.
The last thing you want is few to no rare guns or characters, yet 200 rockets and med gels. This makes no sense as the credits used to amass that many in game consumables could have been used to acquire more rare cards faster, providing you with more playable options.
Once you have most or all the rare items unlocked, consider starting to buy Spectre packs, as these are the best value for a more develloped manifest. They will mostly supply you with a good base of level 3 consumables to use on higher difficulties. And remember, throughout your time playing ME3MP, always buy startegic JEPs to refill your consumables .. so important.
If you're going for gold card drops exclusively then of course the 100k packs are better. Spectre packs give a better balance of rare drops and silver consumables. To use the 240k example you'll get 8 silvers with 100k packs and 16 silvers with spectre packs. Hell of a difference in general and for newer players in particular since they're usually low on consumables and don't get rank 4 drops yet.
231k for two arsenals and a jumbo then. Buying spectres for rares and the four consumables is grossly inefficient.
Except the jumbo will mostly get you between six and ten level 1 consumables with a few level 2, and maybe a couple of level 3's if and only if all your gels/missiles etc. are maxed. The SP's will get you between twelve and sixteen level 3 consumables (depending on how many vanilla character cards you get).
Either way we're getting 4 UR's. With 2 99k packs we're also getting 6 level 3 consumables. With 4 SP's we're getting up to 16 level 3's, but let's assume we only get 12 because each SP gave a vanilla character card. The price difference is 42k credits, the difference in yield is 6 level 3 consumables. If you know another way to spend 42k credits and get a guaranteed minimum of 6 level 3's, with the possibility of getting up to 10 level 3's, I'd like to hear it.
Evidently I'm also weighting level 3's higher than level 1's and 2's. If you're not, then jumbos will be the way to go. And as Shady mentioned, if UR drops are the only thing that matters, then 99k packs all the way.
in the early game 60k spectre packs will also drop black cards. i think the strore is written that way. BurningBlood is totally right. Until gold cards are maxed spectre pack is a more logical choice because it simple gives much more level 3 consumables.
<-------- Maxed Manifest problems.
I found the best UR drop rate was from Premium Spectre packs......I messed around by throwing 5 million..here & there at the Arsenal & whatever the other one is..Never got anywhere near as many UR's from PSP...stick with those...
The secret to earning credits is to play with friends. With friends you can co-ordinate better and everyone has a stake in the match; they usually equip good consumables because they don't want to let their friends down. Plus, after a while you get to learn each other's play styles. If you half way through a device hack, banshee closing in and a friend nearby. Don't worry, they will almost certainly nuke it before the banshee comes into grabbing range.
Basically I'm saying playing with friends greatly improves the chances of a successful match therefore more credits. It's more fun too 
The secret to earning credits is to let your friends carry you. With friends you can make absolutely no contributions and likely not get kicked from the lobby afterwards; they usually equip level X URs on their TGIs and AIUs because they don't want to let their friends think they have a small ePeen. Plus, after a while you get to learn each other's play styles. If you half way through a device hack, a-bomb closing in and a friend nearby. Don't worry, they will almost certainly nuke it just to see you die.
Basically I'm saying playing with friends greatly improves the chances of a successful match therefore more credits with zero contribution. It's more fun too
FTFY
in the early game 60k spectre packs will also drop black cards. i think the strore is written that way. BurningBlood is totally right. Until gold cards are maxed spectre pack is a more logical choice because it simple gives much more level 3 consumables.
I haven't spent any credits in months.
You're probably thinking of either the ultra rare character cards which are actually just rares, or actual ultra rares which will drop from any rare slot at the same fixed rate. I stand by my previous arguments, you're gonna take considerably longer maxing your manifest buying 60k packs instead of 99k packs. With the 99k packs you'll have less level 3 stuff in the short run but more level 4 stuff in the long run.
That's just not true, dude. I maxed my manifest with spectre packs in 800 hours. That seems to be pretty much the average around here. I'd save up either 3 (50 packs) or 6 (100 packs) million credits with some extra for jumbos to max my consumables and spend it on spectre packs. On a bad day I'd get 3 URs from a 3 million spree, on a good day 6,7 or even more. Maybe I just got lucky but these are very solid numbers IMO. Not to mention I was never short on any level 3 weapon amp or level 3 consumables in general.
If we're talking just about getting gold card drops then yeah, 100k packs are king, but once you've got all your rare guns and characters unlocked and you're in the UR phase, it's a little more blurry. In theory you get more chance of getting a UR with 100k packs since.. well.. two gold cards in a pack, but in practice it's a total crapshoot. Some win, some lose. End of the day it comes down to the grace of the RNG store no matter what packs you're buying.
Seriously?
You say it would take longer to max a manifest with 60k packs, I tell you that it's not necessarily the case and, in my experience, it is roughly the same time for both kinds of packs and you go with "you would've maxed faster with 99k". As if it was a definite and depended entirely on what pack I was buying and not how lucky or unlucky I was with RNG.
Whatever. This is pointless, I'm done.
Seriously?
You say it would take longer to max a manifest with 60k packs, I tell you that it's not necessarily the case
Sure, we're talking probability here- its entirely possible that someone could have a ridiculously good run with 60k packs and max their manifest faster than someone with terrible luck buying 99k packs (just like its possible to flip a coin and get heads 10 times in a row). The point is that this is going to be an exception to the rule. On average/in general, you're obviously going to max your manifest faster by getting 2 rare slots for 99k than 1 rare slot for 60k- I can't imagine why any sensible person would deny this.
Make = Memory hacking and playing normally
Spend = Premium Spectre and JEP
What do I spend my money on?
Garden gnomes....lots & lots of garden gnomes.
Sure, we're talking probability here- its entirely possible that someone could have a ridiculously good run with 60k packs and max their manifest faster than someone with terrible luck buying 99k packs (just like its possible to flip a coin and get heads 10 times in a row). The point is that this is going to be an exception to the rule. On average/in general, you're obviously going to max your manifest faster by getting 2 rare slots for 99k than 1 rare slot for 60k- I can't imagine why any sensible person would deny this.
Was I?
In theory you get more chance of getting a UR with 100k packs since.. well.. two gold cards in a pack, but in practice it's a total crapshoot. Some win, some lose. End of the day it comes down to the grace of the RNG store no matter what packs you're buying.
Yes, there is more probability for UR drops with 100k packs. Yes, IF I bought 100k packs instead of 60k packs BUT retained the UR drop rate I had with 60k packs, I would have maxed earlier and spent less credits in the long run. But what if i didn't have the same drop rate? Hell, you two have been here long enough to remember the countless 'I spent X tens of millions of credits on PSPs and got jack', well those guys had probability on their side.
If you want an analogy lets take that of a lottery- if you buy 10 tickets you are more probable to win than a guy who bought just one ticket, doesn't mean you're gonna win though. Obviously different numbers but the same principle. You guys are treating this as if it was hard science when in fact it is not. Some max out with PSPs at 1000 hours some max out with spectres at 700.
And that's what my point in that little argument with 720 was. I wasn't claiming that SPs generally max out faster than PSPs, I just mentioned it was a very real possibility that shouldn't be overlooked. That comment about me OBVIOUSLY maxing sooner if I had just used 100k packs instead just rubbed me the wrong way. No, bullshit, you don't know that. You can make an educated guess based on probability, sure, but when dealing with randomness making such definitive statements is just goofy.
Math is on your side. So it was for the poor fellas who spent millions on PSPs to get jack.
And good god those first 3 lines. There you have it, folks, maxing out quicker with SPs is impossible because 7twozero said so. Also good that you're not exaggerating. 
Credit where credit is due, I lol'd.
every time my sister in law goes to bingo she wins $1000
her sister goes with her and doesn't win ****
I've noticed that when I buy the 5K, I get 2 sets of 1x consumable, whereas the 20K I get two sets of 3x consumable. So it seems cheaper packs give more consumables per credit. I also get two equpables(I.E. ammo, armor enchancements). Therefore, it would make sense to average 3 per game. WHenever I play Silver, I get about 30K credits, which I use to buy 1 20K pack and 1-25K packs.
Other than that, thanks for the advice guys. I have been playing bronze less often, and silver more.I still stuck at gold.
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