It’s quite simple actually. If you have accrued credits to your account, they will automatically be applied towards your next Tippr daily deal purchase- you won’t have to do anything other than choose to buy the deal. Even if you plan to use your credits to buy a deal, you will still need to have a credit card on file. Your card will not be charged (assuming you have enough credits to purchase a deal) but without this information, you will not be able to use your Tippr credits. So long story short, make sure you have a credit card on file if you plan to use credits towards your next deal.