How the credit system works

Credits are Elistit’s unit of product-creation budget. The conversion never changes:

1 credit = $0.01. So 2,640 credits is $26.40 of creation budget, and a piece of wall art priced at 55 credits costs 55 cents to make.

Your plan is a prepaid creation budget rather than a credit pack you top up forever. Each plan grants more budget than it costs, so the credits are worth more than the subscription price.

What each plan grants

The last column is the honest planning number: how many finished wall art pieces the budget covers at the standard quality. Clipart sets cost more per piece, SVG sets less, so your real total depends on what you make. How credits are used per product has the full price list.

Pay yearly and you get two months free: every annual plan costs ten months and carries twelve.

When credits are granted

Plan credits arrive on each renewal. The Free plan works differently: it tops you back up to 70 credits each month rather than adding 70 to what you already have, and nothing rolls over.

New accounts also get their first product free, whatever it costs. Use it on something you would otherwise hesitate to spend on.

Rollover, and its ceiling

Unused plan credits roll forward while your subscription stays active. They do not vanish at the end of each month.

Rollover is capped at three times your monthly grant. On Grow (5,390 a month) the balance stops accumulating at 16,170. Once you hit the ceiling, a renewal adds nothing until you spend back below it. The cap exists so banked budget stays bounded; it never reduces a balance you already hold.

Rolled-over credits are forfeited when a cancelled subscription reaches the end of its paid period. They are also zeroed if a subscription is paused or a payment fails, and restored when it resumes.

Top-up credits and their validity

If you run out mid-month, you can buy credits on top of your plan without upgrading:

Two things to know before you buy:

• A top-up requires an active paid subscription. Top-ups extend a plan, they do not replace one.
• Top-up credits are valid for 180 days from purchase. Any unused portion expires after that. We email you seven days before, with the exact number of credits and the date, so nothing disappears without warning. Plan credits are not affected by this window.

If you spend the top-up before the 180 days are up, nothing expires. Only the unused part goes.

When credits leave your balance

Credits leave your balance when a product starts generating, not when you plan it. That means:

• Writing a brief, refining an idea, and previewing options are all free.
• The cost is shown before you launch, so nothing is spent without you seeing the number first.
• If a run fails, the credits are automatically refunded. You do not need to ask.

That last point matters more than it sounds. Failed runs are on us, not on your budget.

Checking your balance

Your balance sits in the top navigation of the app throughout. For detail, open Billing > Credits, which shows:

• Current balance in credits and dollars, against your plan’s monthly grant
• Burn rate and how many days the balance lasts at your current pace
• Used, refunded, and received totals for the month
• A full transaction history, filterable to credits or debits

Running out

When the balance reaches zero, creation pauses until you top up, upgrade, or wait for the next renewal. Nothing already made is affected, and finished products, files, and listings stay exactly where they are.

If you are running out every month, upgrading usually costs less than repeated top-ups: a bigger plan buys credits at a better rate. The Credits page shows your current rate per credit and the next plan’s rate side by side.

Related

• How credits are used per product: the full price list, per product type.
• Choosing a plan: which tier fits your output.
• Billing FAQ: invoices, cancellation, and refunds.