if u make it into the top voter list and earn credits, can you let the credits build or do you have to use them right away?
There are no more rewards for top voters, none for the month july nor august, so the correct answer would be no.
It's easy, just use this: http://www.yesnobutton.com/answer.html Now try this at the beginning of every month. No, kidding, I don't know. really.
There is still top voter rewards. June there was buycraft issues that prevented additional ranks. And July records were lost unfortunately. On behalf of AEM, we apologize for these past inconveniences. Alex mentioned potentially updating/replacing the plugin, so this month's Top voter is to be expected unless further notice. Remember to vote!