It depends. I am playing only with destroyers. Sometimes 8-12 kills in a match is not enough if You team loses.
Biggest problem is that T3 ships compared to T4 are bad if You are new a player and You don't know how to properly use Your ship and which modules to choose (again new players problems).
To say it bluntly - If You are a good player and You know Your ships strengths You can do very good in veteran even with T3 ships. But You have to get kills and Your team has to win.
For new players - yes, You feel like You are a child and after every match You are given a candy and after one lick - they take it away.
Just slug in the recruit and don't rush for the T3 ships, because You will be destroyed in first 10 matches. And after You have gained experience and credits - go back to veteran. This is how I did and this worked fine so far.
If You are doing great in veteran - You are earning more than in the recruit. PERIOD.
If You are in the middle of the scoreboard - You should not be earning much, because that indicates, that You are doing something wrong.