It sounds like the issue is in the creation of the credits. If you are getting no credits, you will still get incentives with a 0 value and no deposits, so that part is working as expected.
I'd start by looking at the credit rule. How are credits allocated? Are the transactions pre-assigned, or are you using a territory?
If transactions are pre-assigned, make sure the box is checked in the credit rule to indicate this. Also make sure that they are indeed pre-assigned.
If you are using territories, make sure you assigned the variables. Also, look at the category hierarchy and make sure the classification expression is populated.
If this all looks okay, post here and we will figure it out!
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