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This page covers plans, credits, and billing for a personal workspace. Prices, benefits, credits, and billing or refund paths can differ for a team workspace. For team guidance, see Get started with team plans and Manage team billing, seats, and credits.
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

Free accounts chat with Carat 2.0 Lite, which is not offered to paid subscribers. Auto and other conversation models, such as GPT and Claude, are available according to your account’s access. If selecting a listed model opens a subscription page, your current plan does not provide access. See Conversation model selection for instructions. Conversation credits vary with the model and request. Auto also uses conversation credits; unlimited image or video benefits do not make conversation free.

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Conversation credits and generation credits

Conversation model selection is separate from image and video model selection. A generation model’s displayed per-generation credits are not a price list for conversation with GPT, Claude, or Auto. Check your usage history below for conversation charges. See Model selection for generation credit information.

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How to save conversation credits

Keep requests clear and avoid unnecessary back-and-forth. A conversation model does not have a fixed credit charge based on its name alone; usage also depends on the request.

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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