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I was on a monthly plan for several years and had many books I wanted to get. I got those books through time, and there were a few more that came out I was very interested in. Then I ran out of things I wanted to purchase. There are several times I purchased nothing for several months. My credits built up and once our twice I bought something just to use a credit, and I've also lost a credit because I accumulated more than 5. I eventually used all my credits and canceled my plan. But I still lost credits. I maintain the wording was ambiguous. "You can only accumulate 5 credits" with no mention that they would still charge.
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