Different credit sources carry different validity, and the spend order is built so the shortest-lived batch always goes first.
- Monthly plan credits - valid for the billing cycle they were granted in. They do not roll over into the next month.
- Annual plan credits - the full twelve months are granted upfront and are valid across the whole term, not metered per month. This is why annual suits uneven campaign rhythms.
- Verification packs - 12-month validity from purchase, and they are used only after the plan's monthly checks are exhausted.
- Wallet top-ups - prepaid and not tied to a billing cycle. They stay on the account and are not consumed by a plan renewal.
- Starter credits - the one-time 25-credit agent grant behaves like any other balance once granted.
Expired batches are zeroed automatically rather than lingering in a balance you cannot spend, so what the app shows is always what you can actually use.

Practical consequence: if a month is going to be quiet, buy nothing extra and let the plan credits do their job. If a month is going to be heavy, an annual plan or a pack is better than repeatedly topping up a wallet, because both cost less per credit.
Cancelling stops future grants but does not shorten the validity of credits already granted for the paid term.