No option Download the stock images for the paid credits

[Ajus]

I had 100s of image credits in Adobe stock. Paid 870 USD over 3 years. Have not downloaded most of them. Due to unforeseen circumstances, I was not able to continue the subscription. When I asked in the chat if there is any way to redeem those for which I have already paid, they disconnected without answers. This is frustrating. Has anyone faced such an experience? How to solve it?

[Jill_C]

Read your Adobe Stock Agreement. Unused credits are forfeited at the end of the subscription period. This is also clearly stated on the page which describes how to cancel:
Cancel your Adobe Stock membership
Caution:  By canceling your Adobe Stock subscription, you lose access to any unused licenses.

If you haven't cancelled the subscription yet, you can go back into your account and license/download assets to use up all those credits. You should also download all previously licensed assets so that you have a copy on your hard drive, since your Library in Adobe Stock will no longer be accessible after cancellation.

[Abambo]

In addition, to what @Jill_C says, credits expire after one year. You should look at it differently: you do not pay for credits, but to be able to licence assets at a certain price. With that subscription, you get each month an allocation of X (standard) asset credits for up to one-year credits. Basically, you are paying for the ability to access the site and to licence assets. Adobe, in the meanwhile, invests a lot of money to add new assets to the database and to keep the infrastructure up and running. That costs a lot of money if you licence assets or not.