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Yes, conversations with the Carat AI agent consume credits. Even if image or video generation falls under an unlimited benefit, the conversation itself deducts credits separately.

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Why do conversations consume credits?

Conversations with the Carat AI agent use an LLM (large language model). This conversation model runs separately from image/video generation models, so credits are deducted every time you chat, regardless of any image or video unlimited benefit.

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Conversation models

The models used for chatting with the Carat AI agent are labeled as follows:

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How to check credits per model

You can check the credits deducted per generation for each model before requesting it.
  • App: [Home(홈)] → Tap the [Sparkle icon(반짝이 아이콘)] (✨) at the bottom-left of the chat → Select a model → View the per-generation credits on the detail screen.
  • Web: Click the [Sparkle icon(반짝이 아이콘)] (✨) at the bottom-left of the chat → Select a model → View the per-generation credits on the detail screen.
The credits shown are based on the default options. Setting a higher count, resolution, or length than the default will deduct more credits.

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How to save conversation credits

To reduce credits used in conversations, we recommend using Carat 1.0 Lite. For simple image generation requests, Carat 1.0 Lite is usually enough.

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Additional tips

  • Keep requests short and clear: Longer conversations or more complex requests consume more credits.
  • Reduce unnecessary back-and-forth: Instead of repeatedly asking the AI, make a clear, single request.
  • Start a new chat: Long conversation context increases credits consumption.

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Why credits decrease even with an unlimited benefit

Unlimited benefits apply to generation with unlimited-eligible models: image models like Nanobanana base and Z Image, and Carat Video (LTX) generation on Premium / Max / Pro. When you generate content while chatting with the AI agent:
  1. Generation itself (unlimited-eligible model): Unlimited benefit applies → No credits deducted ✅
  2. Conversation with the AI: Unlimited benefit does not apply → Credits deducted ⚠️
So it’s normal for credits to be used during conversation, even when generating with an unlimited model. The agent doesn’t just reply; it reasons and runs tasks, so a single request can deduct credits several times over. If your credits run out completely, conversations may become hard to continue. Recharge your credits or upgrade your plan to keep going. (If you only need to keep generating unlimited images or videos, the Generator(생성기) lets you continue without spending conversation credits.)

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How to check credits

You can check your current credits and usage history below.
  • Web: My Credits page
  • App: [Profile(프로필)] → ☰ → [My Credits(내 크레딧)]

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Detailed usage history

  • App: Bottom [Profile(프로필)] → Top right [Menu(메뉴)] (☰) → [My Credits(내 크레딧)] → Top right […] → [Usage History(사용 내역)]
  • Website: Bottom left [Account nickname(계정 닉네임)](on mobile web, open the top-left [Menu(메뉴)] (☰) first) → [Settings(설정)] → [My Credits(내 크레딧)] → Top right [Subscription & Usage(구독•사용 관리)] → [Usage History(사용 내역)]

Why does text chat use credits?

Credit deduction rules for text chat

My credits drain too fast

Per-model credits differences and tips to save credits