Yep, I had all 8 slots filled-- not really used a whole lot-- level 30's & 40's mostly. I didn't like the way I had managed the soldier so decided to delete and re-roll. No points now. Really wanted the recall beacon.
You accrue paid points from the start of the sub. They give you the points up front not at the end of the period. So if you sub for a year you get a year's worth right away.