I just want to share this technique. Note that this ain’t guaranteed, but feel free to try.
Say, your teammates intend to report you for whatever reason. Right after the game, proceed to the result screen (keep pressing next or continue) > game mode screen (Rank), then go to the lobby or match up again.
If you stay at the game results screen, there’s a big chance that you’ll be banned temporarily (5 minutes) and your credit score will go down the 90 threshold.
Note that there’s no way to prevent deduction from being AFK or if the system detects something odd on your game. It’s automatic.