No, any accumulated credits that are still unused will be lost at the end of your contract, if you do cancel. You will need to use them prior to cancel.
Licensed items can be used in respect with the licensing terms forever. However, downloading the asset is only possible, if it is still in the database. Contributors can at anytime delete an asset and Adobe can take the asset down, if there is a quality issue or any other issue.
ABAMBO | Hard- and Software Engineer | Photographer