This has nothing to do with being bright. If you don't know, you don't know. There's nothing wrong with not knowing something.
What DavidL11229 said is correct. I'll just add to it by saying that if you're on the computer click on "Elite Program" (next to the i on the right-hand side of the screen). This will bring you to a new page that will allow you to access the archive to show you what you can purchase with your Elite Points. Your saved up points will be at the top of the page.