Regarding use credit option, this is for you when you want to download the title using credit. This is completely secure and you are not charged for anything in order to use credit. Just use that option to download eBook in ePUB, MOBI or PDF. You can download video in MP4 format.
You are using monthly plan and you will receive credit each month when you complete reading/watching 50 sections of contents. The progress and available credits can be checked at - https://subscription.packtpub.com/credits