Out of Credits? Solutions & Options
What to do when you've used all your credits and need to continue using AI features.
In this article
Checking Your Balance
View Current Credits
- Click your avatar in the top right
- Select "Settings"
- Go to the "Subscription" tab
- View:
- Current credit balance
- Credits used this period
- Next renewal date
Understanding the Message
When you see "Insufficient credits":
- Your balance is 0 or below required amount
- The action you attempted needs more credits
- AI features are temporarily unavailable
Getting More Credits
Option 1: Wait for Renewal
Free users: Credits refresh daily at midnight UTC Premium users: Credits renew on your billing date
Option 2: Purchase Credit Top-Ups
Visit faithgpt.io/pricing and scroll to "Credit Top-Ups":
| Package | Credits | Price | Best For |
|---|---|---|---|
| Quick | 75 | $4.99 | Small project |
| Standard | 200 | $12.99 | Regular use |
| Large | 500 | $27.99 | Heavy usage |
Credits are added instantly after purchase.
Option 3: Upgrade Your Subscription
| Plan | Monthly Credits | Price |
|---|---|---|
| Weekly | 225 | $7.99/week |
| Monthly | 1,200 | $19.99/month |
| Annual | 14,400 | $199.99/year |
Upgrades take effect immediately with prorated billing.
Free Features to Use
While waiting for credits, these features work without credits:
Bible Tools (Free)
- Read the Bible (any translation)
- Search verses by keyword
- Browse books and chapters
- Save bookmarks
- Create highlights
- Manual notes (no AI)
For You (Free to View)
- Read daily devotionals
- View past devotionals
- Answer reflection questions
Prayer Journal (Free)
- Write manual prayers
- View prayer history
- Mark answered prayers
- Organize by category
Study Plans (Free)
- Follow reading plans
- Track progress
- Mark chapters complete
Reducing Usage
Tips to Conserve Credits
- Batch your questions: Ask multiple things in one message
- Use free search first: Find verses without AI
- Save insights: Don't re-analyze the same verses
- Review history: Check if you've already asked something
- Plan image projects: Generate multiple images at once
Credit Cost Reference
| Action | Credits |
|---|---|
| AI Chat message | 1 |
| Scripture Insights | 1 |
| AI Prayer | 2 |
| 4 Images | 8 |
| Video Creation | 4 |
| Bible Memory AI | 1 |
Usage Monitoring
Check Settings > Usage tab to see:
- Credits used by feature
- Usage trends over time
- Remaining balance
Questions about credits? Email hello@faithgpt.io
Last updated: January 22, 2026
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