I'm learning this for the first time now. I don't appreciate having to anticipate how many credits I'll use like its an FSA account.
>Terrible policy.
And unfortunately one not exclusive to OpenAI. Anthropic credits also expire after 1 year.
Not sure how it's with OpenAI, but Anthropic is so money-hungry, they won't even let you remove your debit card data from your account without a week-long support encounter.