# Credit Policy

Credit Policy lets administrators cap how many credits each user can consume per day. When a user reaches their daily limit, Treasure AI Studio pauses their credit consumption until the limit resets the next day — a simple way to keep usage predictable across your organization.

Usage is measured in credits
Limits are expressed in **credits**, the same unit shown on the [Credit Usage dashboard](/products/ai-studio/credits/credit-usage). If you track usage in **conversations**, multiply the credit figure by **600** (1 credit = 600 conversations). Studio does not display conversation counts directly.

## Objective

Configure a default per-user daily credit limit and the account timezone that determines when the limit resets, and understand what users experience when they reach the limit.

## Prerequisites

- Signed in to Treasure AI Studio ([Getting Started](/products/ai-studio/getting-started))
- Account administrator privileges (Credit Policy is admin-only)


## Where to Find It

Open **Settings → Credit Policy** (under the **Organization** section). Credit Policy is visible only to account administrators.

## Settings

| Setting | What It Does |
|  --- | --- |
| **Default Daily Credit Limit** | The maximum credits each user can consume per day. Choose **Unlimited** for no cap, or **Custom** to enter a number of credits per day. When a user reaches the limit, their credit consumption is paused until the next daily reset. |
| **Account Timezone** | Determines when the daily credit counter resets (at midnight in this timezone). The same timezone is used for the date boundaries on the [Credit Usage dashboard](/products/ai-studio/credits/credit-usage). |


Credit Policy settings with Default Daily Credit Limit set to a custom 10 credits/day and the Account Timezone selector
Click **Save** to apply your changes, or **Discard** to revert unsaved edits.

The limit is per user, per day
The Default Daily Credit Limit applies to **each user individually** — it is not a shared pool for the whole account. The limit resets every day at midnight in the account timezone; unused credits do not carry over.

Timezone changes are rate-limited
The account timezone can be changed at most **once every 30 days**. Because it controls the daily reset time (and the dashboard's date boundaries), change it deliberately.

## What Users See

When a daily limit is set, each user sees a small indicator in the chat showing their usage for the day, for example **"3.5 / 10 credits used."**

Chat input box with a credit usage indicator reading 0 / 10 credits used below it
When a user reaches the limit:

- The indicator changes to **"Daily limit reached."**
- They can't send new messages until the limit resets.
- If they try, a message explains that the daily credit limit has been reached and shows when it will reset.


With the limit set to **Unlimited**, no indicator is shown and users are never blocked.

## Verification

After reading this guide, you can:

- [ ] Find Credit Policy in **Settings → Credit Policy**
- [ ] Set the Default Daily Credit Limit to Unlimited or a custom number of credits
- [ ] Set the account timezone that controls the daily reset
- [ ] Describe what a user sees when they reach their daily limit


## Troubleshooting

| Issue | Solution |
|  --- | --- |
| A user is blocked with "Daily limit reached" | They have consumed their daily credit limit; access returns at the next daily reset, or you can raise the limit in Credit Policy. |
| Can't change the timezone | The timezone can be changed only once every 30 days. Wait until the cooldown passes. |
| Limit doesn't seem to apply to a user | Confirm the limit is set to **Custom** (not Unlimited) and saved. The limit applies per user, per day in the account timezone. |


## Next Steps

- [Credit Usage Dashboard](/products/ai-studio/credits/credit-usage) — Monitor per-user credit consumption over time
- [Security & Permissions](/products/ai-studio/security) — How administrator access works in Studio