What happens if I run out of credits?

Monty pauses billable AI work and tells you — a banner in your dashboard, not a silent overage charge you didn't agree to. You can top up from the Credits page, upgrade your plan, or wait for the monthly reset; incoming leads keep flowing in during the pause so nothing is lost. Once you top up or your allowance resets, Monty starts drafting again for new incoming leads. Overage billing only ever happens if you've explicitly opted in.

Spend warnings fire at 80%, 95%, and 100% of your allowance — if you're seeing them often, a plan upgrade is usually cheaper per credit than repeated top-ups.