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No, you don not retain your credits. You are paying for a subscription that includes credits. Once you no longer have your subscription you lose the credits. Think of it like a cable TV ... you pay your monthly subscription but you don't get to watch the programs you missed after no longer paying.
From the FAQ:
No. You can use your available licenses as long as your membership is active, but you forfeit any unused licenses upon cancellation of your membership.
Thanks for reply but I would like to hear from Adobe representative why customer service told me it's otherwise.
They can open the cases I listed above and see for themselves that I was assured I'll be able to keep the credit. It was the only reason why I keep paying this subscription..
The info I have provided to you is correct.
I will pass it on to the powers in charge and they will follow up with those support people. You aren't the first to get wrong information from Adobe Support lines for Stock.