I'm confused. Do you mean you want them to send the payment to another account, or to send your credits from the account that you're selling to another account?
If the latter, just send your credits to your own account? I hope this wasn't what you were asking lol.
If the first, have them send payment before giving them the un and pw. I've transferred hundreds of thousands of credits and have sold much artwork through the gift credit option, you should be fine. The dangerous part is making sure you receive payment first. If you give them the account first, you are at the mercy of the customer up until you receive payment, as IMVU will not help with a stolen account.
**side note/off topic: "plundered" instead of "s.t.o.l.e.n."? Interesting use of the word filter if I must say so myself..