The short answer is yes. That being said, I've only encountered two other girls besides myself through random matches and I have been playing for months. I always wonder why.
You can never have enough credits to spend on Spectre packs, so here's a list of the easiest and fastest ways to earn credits in online multiplayer with the least.
As a ME3 Multiplayer regular, I think the whole game experience would be better if everyone followed these 10 simple etiquette rules: 1. Don't bite off more than you can.