Those look like your cut off amounts rather than your credits. If you log into your myaccount you'll be able to see what your credits and cut-off are for the year. You can split them whichever way you want between your two incomes. I'm not sure if its different for the pension part of your income but generally on an annual income of €45,600 you will pay 20% up to your cut-off amount and 40% on the balance. You are earning over your cut-off so I'm guessing you are using all your credits but just check it on your tax cert on myaccount to be sure. If you're in any doubt then complete your income tax return and you'll see any differences then.