In my opinion, your understanding of credit is not correct. Credit is normally #hours you spent (normally 4 hrs per week for 12 weeks is 3 credits). University education (undergraduate or graduate), is considered to be 30 credits/year in general, and 120 credits or 60 credits for undergraduate or graduate studies respectively.
I am being specific to CPA Ontario here (ref:
https://www.cpaontario.ca/become-a-cpa/why-cpa/internationally-trained-accountants/acca-and-cga-canada-mutual-recognition-agreement). which requires applicants to be either residing in, moving to or in the process of immigrating to Ontario. So if none of this is applicable to you then it could be waste of time and money. If you are willing to take a risk and gamble time and money, then go a head. If you ever come to Canada it is really helpful. I am telling you from our experience. My wife came to Canada in a middle of her ACCA journey and accounting career. In the beginning it was difficult to get a job, even the casual ones (could be for several reasons), she could neither focus on her ACCA nor job search. She then halt her ACCA and did a college course in accounting. She was able to get a job as soon as she finished her study. Since then she has re-started her ACCA and now have to complete two professional papers. She could have done that but due to the pandemic, she was not able to sit on exam since last March. Moreover, her employer is very much eager to have her ACCA and CPA, they are even willing to help her financially and logistically to get relevant trainings and ACCA exams. So from our perspective, CPA is something nice to have. The only issue is we do not know what will happen after April 2021 and its kind of uncertain.