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Even with an active subscription, Magica works on a credit-based system. If prompted to add credits, it means your current balance is insufficient for a specific generation — it’s not a lockout. You can purchase additional credits or wait until your monthly refresh. Your credit balance shows how many credits you get next and the date they reset. If Billing shows a payment issue, your credits are unavailable until the payment is resolved. See My renewal payment failed. What happens?.