First, a JOIN does not neccecarily speed things up.
Second,
try something like
SELECT table2.game, table2.username
FROM table1, table2
WHERE table1.username = table2.username
AND table1.credits>=1;
then you'll get all games for al users that have more than 1+ credit.
From that you can select a random record.
A forum, a FAQ, email notification, what else do you need?