You can use the credits anytime. Just make sure to spend them wisely. You are saving money, but it stinks to run out like we did. I could shoot my Dad. We were with some friends and we ate at some of the 2 point sit down places like Brown Durby (amazing), Cinderella's Castle (very good, not as good as brown durby, save you points for something else unless you have a little girl with you), Hoop De Doo (good show, very funny, all you can eat bbq ribs, fried chicken, homestyle mashed potatos, strawberry shortcake, and all you can drink pop and ALCOHOL). Because of all these two pointers we ran out early. Snacks are anything that can't be shared like an ice cream cone or tiny bag of chips. The quick meals are great since you get the meal, a dessert, and a drink. It is well worth the money and just milk to food. The map shows you the restuarants. Your quick service does not have to be a simple hamburger and fries. If you milk it you can get a lot more. Like at Epcot I was able to get pop, ginger cake, spicy tuna roll, and udon noodles for a quick service. I was also able to get a three part chinese buffet meal on quick service. I like asian food. Don't look down on the resorts either. They have pretty good breakfasts. Also, those Nachos during the day are really good at the All-Star Resorts.