So on factions I had 925 mcmmo credits to be redeemed. So I left them until I got to 75 in one of my skills as it is easier to grind from 0 - 75 than 925 - 1000 then I finally did it and find that I have no credits. The only credits I have used were 825 which I put on fishing and I know I haven't used the rest as my power level is less than the tokens I should have received.