> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xchar.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Credits System

> Understand monthly credits, permanent credits, and how they are used.

Understanding the two types of credits on xchar.

## Monthly Credits

Monthly credits are included with subscription plans. They refresh each billing cycle and are used first when you perform actions that cost credits.

## Permanent Credits

Permanent credits are purchased separately and never expire. They're used after your monthly credits are depleted. Great for heavy users or as a backup.

## Ready to Get Started?

Create your first character and start exploring!

[Create Character](https://www.xchar.ai/create-character)