Most credit questions come down to one thing: something is spending faster than expected and it is not obvious what. Almost always the answer is not the feature you were using at the time. It is something running automatically in the background.
What never costs credits
Recording a meeting is free. So is chatting with a meeting after the fact, merging duplicate records, and standard enrichment. Chatting with Rep is free too - asking questions, drafting emails and getting answers do not use credits.
Advanced enrichment has its own monthly allowance that is separate from credits, so it can run out without touching your balance, and your balance can run out without stopping it.
What does cost credits
Two groups, and the difference matters more than the individual prices.
Things you do. Running AI Autofill, sending a campaign, importing people from Lead Finder, running a workflow. These only happen when someone acts, so they are easy to attribute and easy to stop. If you ask Rep to do one of them for you it costs the same as doing it yourself, and Rep adds no charge on top.
Things Clarify does on its own. Meeting prep briefs, meeting summaries, deal summaries, suggested deals, and suggested field updates. Nobody clicks anything for these. They fire off your calendar and your inbox, they are the most expensive events per run, and they are almost always the answer to "what is eating my credits".
The current cost of every one of these is in the credit usage breakdown by feature. Check there rather than working from memory.
Find out what is actually spending
Go to Settings → Workspace → Billing. The credit usage card breaks spend down by feature and by day, and the projection shows where you will land by the end of the period at your current pace.
Start there before changing anything. The feature at the top of that list is the one worth acting on, and it is often not the one you would have guessed.
Spend less without turning things off
Turn off the automatic features nobody reads. If the meeting prep briefs go unopened, that is the single biggest saving available.
Narrow your agents. Tighter filters and a less frequent schedule cost less than switching them off, and keep the value.
Import from Lead Finder in the sizes you will actually work, not the largest list you can build. Re-importing people you already have costs nothing.
Autofill costs more when it searches the internet. Leave that off unless the answer genuinely needs it.
When it resets, and what happens if you run out
Your allowance resets on your billing anchor date, not on the first of the month. Your billing page shows the exact date.
If you reach the limit, nothing is charged unexpectedly. On-demand credits are off by default, so AI features simply pause until the reset. If you have turned on-demand credits on, cap the spend with the on-demand spend limit, and campaigns and agents stop rather than continuing quietly.