Credits are metered per action: a question is 1 credit; a read-only dashboard is 50 and a report is 100 (lookups are free). Monthly subscription credits reset at the start of each month; purchased credit packs carry for 12 months and are spent after your monthly credits. The dial scales to your plan's monthly allowance (Free 100, Standard 150, Power 2,500; Bank Team pools its seats). Comped accounts show tracked usage without a depleting dial.