How are we supposed to use our credits on this website? I just found out how many I have. I do not know their significance.

For the first time in a months, today I used my laptop to log onto AnswerMug instead of my smartphone.  Bigger screen means different features are displayed, one of which being the graphic that I've copied below.  This may very well be the third of fourth time since January of 2020 that I have used the laptop.  Since I never see or hardly ever see all of these features, I am neither cognizant of them nor do I assign them much importance.  Today, I noticed this and it makes me wonder about opinions from any of you who care to chime in, whether or not you use them an if so, in which ways?