Ok, I just called and asked and unfortunately, I was right. You cannot combine points and cash credits, other than using $11.20 of the credits to pay the 9/11 security fee. It's either all points, with only the security fee needing to be paid with the credit if you have one or a CC, or all cash and credits and no points. Ugh, sometimes hard to use those credits when you like to book using points! That's why I like points! You find a lower fare, change to that, and you get the points refunded for use anytime, for anyone, and not restricted to who the ticket was for, and not restricted to using within a year of original booking! Then you really feel like it was worth stalking SW, switching, and getting that points credit!