sorry I've just seen this thread again and forget to post the answer I got from 123rf. Here it is:

please be advised that sometimes the cost of the credit can go very low as the client purchased a very large amount of credits at a time, but we have a threshold on the payout when we pay our contributors.

For this case earnings calculation as per below :
(see attached chart)
S size : 1 Credit
Royalty tier = 35 % (Level 2)
Earning = 0.14
Earning by cost per credits =
0.14/ 1 = 0.14 USD (at $0.14 threshold per credits at tier 2, 35% royalty split)

Anything below the threshold will be absorbed by 123rf itself. We hope this clarifies. Please do not hesitate to contact us if you need any further assistance.

More than 30 days ago ....

Starting end of january I mailed Veer 5 or more times to close my account. Finally I got an e mail from Veer a week ago saying that " this process takes 90 days". As in your case I still have acces to my account and my images appear for sale.   

thank you Jo Ann