Okay, so I saw this wrong also. I went through and did all four weeks' worth of Moments and the collection and I'm sitting at 65 points. I was under the impression that I should have 92 points, not 65. Now that it's been explained, I get it. Stage 1 is up to 65 points and you have to do the collection for 40 of those points. For the other 25 points, you can choose what you want to do to get them.
I'll be more choosy for Stage 2 (Although, I didn't have to buy any cards for the collection, so guess that is a bonus).
Now I'm sorry I submitted a ticket...they are just going to shake their head at me.