Adobe trying to steal my credits

When I started my adobe stock subscription probably 4-5 years or more ago, i started with 10 credits a month. i was using them too quickly, so i upped my plan to 25 credits a month. This past year has been slow, and i have not used 25 a month, so they collected into my account. I currenly have 242 credits stocked up THAT I PAID FOR (approximately $480 worth of credits). I contacted them to downgrade my plan back to the 10 credits a month until I need the 25 again, hopefully by the end of the year. I was told that if I downgrade my plan, i lose all of my credits THAT I PAID FOR. So basically, if I cancel, i lose the credits.... if i downgrade, i lose the credits. I only wanted to downgrade because I am payin $49.99 a month for something I am not using all of. This does not make any sense. I paid for the 242 credits stocked on my account. I should not lose them for NOT cancelling my account.