Perhaps I didn't read the agreement, however I've found that my unused points are not carried over to the next cycle. I've had a hell of a time downloading from Emusic since I converted to Windows 10. Because of the difficulty I went several months without downloading music, only to find that my credit card was charged all along but instead of having accumulated several months of credits, I only had one month's worth of credits. They take your money and if you don't use the service, your money and credits are gone. Emusic is apparently a scam. If this is their policy, fine, but it should be in BOLD letters and somewhere in their FAQs and not buried somewhere in the terms of use.

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