Short answer: separate the three balances before paying
OpenAI flexible usage credits extend supported ChatGPT features after a plan’s included usage is exhausted. The supported set can change; OpenAI currently names Codex, ChatGPT Work, and ChatGPT for Excel when they are available to a plan. These credits are neither API credits nor the dollar balance in ChatGPT Wallet.
Included plan usage is consumed first, then eligible supported work can draw from a credit balance. If Add credits is absent, do not treat that as an error or assume a plan upgrade will unlock it: OpenAI says eligibility, purchase amounts, payment methods, limits, and supported features vary by account, region, and plan.
Credits, Wallet, and API billing are different paths
Auto-reload exists only when the account exposes it. It purchases usage credits with the default payment method up to your selected target and monthly cap; it does not add funds to Wallet. Verify the minimum, target, default card, and monthly maximum before enabling it.
| What you see | What it is for | Where to check |
|---|---|---|
| ChatGPT usage credits | Pay-as-you-go continuation for supported features after included use | Settings → Usage or Codex Usage & Billing |
| ChatGPT Wallet | Dollar balance that may apply at eligible web checkout | Confirm whether checkout actually applies it |
| OpenAI API billing | Developer API requests | Manage separately on the API platform |
| Plan allowance | Usage included with Free, Go, Plus, or Pro | Wait for reset or use options shown to the account |
Safe sequence when a limit appears
- Record the feature, reset time, and current balance from the prompt or Usage page.
- Verify that included plan use is exhausted rather than a login, project-permission, or API-key issue.
- Review amount and payment only through Add credits or the official Usage page.
- After purchase, return to the same account and personal workspace to confirm balance and activity.
- If auto-reload is offered, set a monthly ceiling you can accept and review it periodically.
OpenAI currently says purchased credits last 12 months, do not roll over, are generally non-refundable except where law requires, and cannot be transferred, resold, or gifted. Sharing a password, code, or checkout screenshot does not change eligibility and creates account risk.
ChatGPT usage credits FAQ
Do credits increase my included plan limit?
No. They are a pay-as-you-go extension for supported use after the included allowance.
Is Wallet balance the same as credits?
No. They are separate balances, and gift-card redemption does not itself add usage credits.
Can I use these credits for API calls?
No. API billing is separate.
What if Add credits is not visible?
The account may not be eligible or the feature may not be offered there; do not buy through an unofficial channel.
Ready to buy or upgrade? Verify the account and plan first
Use the exact domain chatchongzhi.chat. Before ordering, verify the product name, account access, subscription term, and support terms. The purchase guide below leads to the relevant product page.
Official source
OpenAI Help Center: Using Credits for Flexible Usage (verified 2026-10-02)
This article summarizes official information available at publication. Prices, allowances, features, and regional availability can change; verify the official page and your account checkout before purchasing.