> ## Documentation Index > Fetch the complete documentation index at: https://docs.imagine.art/llms.txt > Use this file to discover all available pages before exploring further. # Credit Assignment and Usage Policy > How credits are assigned across subscription plans, the no-rollover policy, and your options when credits run out. ## How credits work ImagineArt operates on a **monthly credit assignment cycle**. Every subscription tier receives credits at the beginning of each monthly period, regardless of whether you are on a monthly, quarterly, or annual plan. Screenshot 2026 04 15 At 6 21 41 PM ## Credit distribution by plan type | Plan | How credits are assigned | | - | - | | **Monthly** | Full credit allotment assigned at the start of each monthly renewal | | **Quarterly** | A set amount of credits assigned each month for three consecutive months | | **Annual** | A set amount of credits assigned each month throughout the twelve-month term | All plans receive credits on a monthly basis — the commitment period determines your billing cycle, not when credits arrive. ## No-rollover policy Unused credits do not roll over to the next month. At the start of each new cycle, your balance resets and your new monthly allotment is applied. To get the most value from your plan, select a tier that matches your typical monthly usage. You can view your current balance and the days left until your credits reset in **Settings** > **Plan & Billing**. Screenshot 2026 04 15 At 6 22 33 PM ## Options when credits run out If you use all your credits before the monthly cycle resets, you have three options: Your credits automatically replenish at the start of your next monthly cycle. You can check the exact reset date under **Days left until credits reset** in **Settings** > **Plan & Billing**. Buy a one-time credit pack to continue generating without waiting for your cycle to reset. Click **Buy credit packs** in **Settings** > **Plan & Billing**, or pick a pack under **Buy Credit Packs** in your team's credits card. Click **See all options** to view every pack. You can also turn on **Auto Top-up**, which automatically adds credits when your balance runs low. Team Credits card showing monthly paid credits left, Buy credit packs, days left until credits reset, Auto Top-up, and Buy Credit Packs options If you consistently run out of credits before your cycle ends, upgrading to a higher tier gives you a larger monthly credit allotment. See [Upgrading or Downgrading Your Subscription](/faq/upgrade-downgrade) for steps. ## Need help? For questions about your credit balance or subscription, visit your account dashboard or contact [support@imagine.art](mailto:support@imagine.art). This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.