The Credits you earn and receive in your SixthContinent Wallet will never be reset if you maintain an active user status. An Active User is a member who makes at least one purchase within a month. His credits are available at any time. In other words, as long as you make at least one purchase in a month, you keep your accumulated credits. If you choose not to make any purchase, then on the first day of the following month your credits will be reset from your SixthContinent Wallet and shared equally among all users who reached the threshold to receive the ExtraProfit.
On the other hand, being an active or inactive user doesn’t affect your points: Points will never expire.