Fancards and their credits will no longer exist if you don't buy the membership now.
That's the whole point of this thread.
When you say now - do you believe that if you miss a set window - you won't be able to convert the fancard to a membership at a later date? In the future, if a membership lapses, do all records just disappear and a new membership is needed if you want to sign up the following year?
My league cup away credits are on a fancard. If we draw someone away in the league cup, I might begrudgingly upgrade to a membership to access those credits. But I don't want to pay for a membership now when we might not get an away league cup draw this year.
If I'd received a link to do it for free I might. But confusion reigns and some indicators are that you won't get a link to do it for free if that fancard was a membership years ago (which mine was).