Hi Akshai, I think, you are missing the point "100 credits needed to be earned this month" at the top of the package. So, even if you have full credits to redeem the package you need to earn the minimum amount mentioned in the package this month.
Whenever u apply for a trip it says u have to earn 100 credit points for this month ,there are some clause that are put up right on the top just read it .n plus u shud b within the first 10 or 15