> ## Documentation Index
> Fetch the complete documentation index at: https://carat.im/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# I'm on an annual subscription but it says I'm out of credits

> Even on an annual subscription, credits are granted monthly. Once you use up this month's credits, you may see a 'not enough credits' message until your next recharge date.

Even if you paid annually, subscription credits are **granted on a monthly basis**. A full year's worth of credits is not delivered all at once.

Once you've used up this month's credits, you may see a **'not enough credits' message** until your next recharge date. This isn't a billing or system error — it's expected behavior.

### How credits are granted

| Category                 | How it works                                                                                     |
| :----------------------- | :----------------------------------------------------------------------------------------------- |
| **Annual subscription**  | Instead of granting a full year at once, monthly credits are granted on the same date each month |
| **Monthly subscription** | Monthly credits are granted on each billing date                                                 |

The amount and cycle of credits you receive each month are the same for both annual and monthly subscriptions. Annual billing simply differs in payment convenience and discount benefits.

### If you've used up this month's credits

You can keep using Carat right away without waiting for the next recharge date.

1. **Top up additional credits (recommended):** Top up on the [upgrade page](https://carat.im/en/upgrade). (Validity: 1 month from recharge date)
2. **Upgrade to a higher plan:** [Upgrade to a higher plan](https://carat.im/en/upgrade) with more monthly credits.

### How to check your next recharge date

* **App:** Bottom \[Profile(프로필)] → Top right \[Menu(메뉴)] (☰) → \[My Credits(내 크레딧)]
* **Website:** Bottom left \[Account nickname(계정 닉네임)]\(on mobile web, open the top-left \[Menu(메뉴)] (☰) first) → \[Settings(설정)] → \[My Credits(내 크레딧)]

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