When you select to skip your membership, all of your benefits are paused for one month, including the 2% monthly bonus awarded on top of your total R+ Credit. All monthly, yearly or additional contributions are 100% converted to R+ Credit and are eligible for the 2% monthly bonus for the 12 months following that contribution as long as you remain active.
If you skip for one month, you lose that bonus, and now you will at most be awarded the 2% monthly bonus 11 times. The more months you skip, the fewer times you will be awarded the 2% monthly bonus. If you never skip a month, your total Rebag+ credit will get an aggregated bonus of up to 27% after 12 months.