Let's say i have 500 credits this month that I purchased. I bought them with my subscription. But I couldn't program much this month so I only used 100. Well now the next month you charge me another $15 and delete the 400 credits I didn't use? Come on now. Now if I hit 501 credits this month I'll have to purchase more. When you just stole 400 credits from me. Product is amazing by the way. But you guys have to get the payment structure ironed out. I want you guys to make money because I think the product is great. But you guys need to fix this so people like myself don't want to even think about leaving. Because the competitors will copy/steal whatever innovations you guys come up with eventually. You need to be innovative and honest about your payment structure. At least allow 50% of credits to be rolled over. That way when I see $15 come out of my bank account, I don't think "dang.. they just stole 200 credits from me." Instead I'll think "Yes! Now I have even more credits for when I want to spend a week straight coding!"