Do Credits Roll Over?

Credits roll over for up to year's contingent (10 assets per month = 120 assets max). If you cancel your subscription, you will lose all credits. There is no “pause” button for subscriptions, also not for the monthly subscription. In addition, when you cancel your annual subscription early, you need to pay an early termination fee of half of the remaining due.

You can contact support and try to negotiate a month or two of free prolongation. I can't, however, guarantee the success of this action. Adobe customer care can be contacted by beginning a secure chat session at https://helpx.adobe.com/contact.html?rghtup=autoOpen. Pop-up blockers need to be disabled! If the chat window fails to open, or is non-responsive, use a different device to start the interaction.
Support phone numbers may be found here: https://helpx.adobe.com/contact/phone.html. Please note that phone charges may apply.

(see also here: https://community.adobe.com/t5/creative-cloud-services/how-to-contact-adobe-support/td-p/11875703 or here
https://community.adobe.com/t5/account-payment-plan/how-to-contact-adobe-support/td-p/11843852)

Credits last a year then disappear. There is no "time off". If you cancel, even for a month, you lose all credits.