Running out does not lock you out. Nothing is deleted and nothing is hidden.
What still works
Your weekly brief. It never spends credits, so it keeps arriving on schedule.
Everything you have made. Chats, docs, Collections and Watchlists stay readable.
Browsing. Discover, Formats and your Watchlists all work, and your Watchlists keep updating.
What stops
Vamos answering you, and Routines running. A Routine that comes due with no credits does not run and says that was why, then tries again next time.
The three ways out
Wait for your reset. Plan credits refill on your billing date, shown in Settings, under Billing.
Buy a pack. Immediate, and pack credits sit in a separate balance the monthly reset does not touch.
Move up a plan. Cheaper than repeat packs if this happens every month.
Before you buy
Look at the usage row under your recent answers. It shows what each one cost, and the reason for a heavy month is usually one of three habits rather than volume.
Long research runs with a script at the end are the most expensive single thing in the product. Starting a fresh chat for each step of one job pays full price for the same reading repeatedly. Overriding AUTO pays the top model rate for the research as well as the writing.
How credits are spent covers all three.