Hi David!
Thank you for bringing your question to the Disney Parks Moms Panel!
I am guessing that the "credits" you're referring to are the credits, or "entitlements", used with the purchase of a
Disney Dining Plan. These plans are available to Guests staying at a Walt Disney World Resort, as part of their vacation package. Basically, you will be given an allotment of credits to use on your Walt Disney World vacation for your meals. There are different levels of plans and each one has a different number of credits you can use.
For example, the standard
Disney Dining Plan includes one table-service credit, one quick-service credit and two snack credits per person, per day. Your credits become available on the day you check in and expire at midnight on the day you check out of your resort. The credits can be used at any time during your trip, in any way you choose. If you want to use two table-service credits on the same day, that is fine. They are all "banked" for you and will be subtracted from your total once you use them. It's easy to
keep track of your credits by using the My Disney Experience mobile app. I hope this helps! Please let me know if I was wrong about the credits you were referring to, or if you have any other questions.