What if I do not use the pre-order credit?

Updated 

As long as you place your pre-order before the pre-order period ends, you can take advantage of the offer.

If use some of the Samsung Credit when placing your pre-order, be sure to spend it all before proceeding to checkout. Any unused credit amount will be lost.

Note that if you use none of your pre-order credit when you place your pre-order purchase, the credit will be lost.