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I still remember I tried really hard to keep a 5K FD last month but had to break it eventually due to 6 week savings also going on in parallel. Learnt my lesson to let go offers which are not in your comfort zone or those that would make you broke in some way .
Almost similar case
I saved 6000 as a result of the Savings challenge and was planning to go for PRO on the very first of this month. Some unforeseen emergencies came, and had to break that savings pot.
Cred coins in general not much value but as a whole platform cred coins do give us some reward for timely bill payment, some discount voucher & also some discounted products.
I have utilised them for discount vouchers on products that are on my radar, we have used it to book 2 staycations as well. However, if one does not any specific needs, Cred coins are not as useful