Create credit-deductions.md

Credit usage FAQ added
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## FAQ: Where Are OpenSign Premium Credits Deducted?
### 1. When are Premium Credits deducted? Which actions use Premium Credits?
Premium Credits are deducted whenever you use features that require premium access.
The following features consume Premium Credits:
- **API Signature** Sending documents for signing via API
- **Bulk Send** Sending documents in bulk to multiple recipients
- **Public Link Signing** Sharing documents using a public signing link
- **Kiosk Mode** Using Kiosk Mode for in-person signing
- **Embedded Signing** Integrating OpenSign into your website or application for signing
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### 2. Do regular document sends consume Premium Credits?
No. Standard document sending does **not** consume Premium Credits.
The following actions do not use Premium Credits:
1. **Sign Yourself** document signing
2. **Request Signature** Sending a single document for signature
3. **Use Template** Sending a document using a template
4. Sharing or copying a document link
5. Resending a document from the **In Progress** section
6. Fix and Resend for completed document reports
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### 3. How can I track my Premium Credit usage?
You can monitor your Premium Credit usage from:
**Account Settings → API Token page**
On this page, you can view:
- Available Premium Credits
- Your credit usage details
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### 4. Will I receive notifications when my Premium Credits are low?
Yes. Email notifications are sent when your Premium Credits reach certain limits:
- When only **50 credits** remain
- When credits drop to **10 remaining**
- When your balance reaches **0 credits**
These reminders help ensure uninterrupted usage of premium features.
### 5. Can users created under an Admin consume the Admins available credits? Can they purchase credits on their own?
Yes. Users created under an Admin account use the Admins available Premium Credits.
There is no option for sub-users to purchase credits independently. All credit deductions are made only from the Admins account.
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### 6. Can an Admin restrict how many credits a user can use?
Yes. The Admin can set a credit usage limit for each user.
To set a credit limit:
1. Go to **Settings → Users**
2. Click on the **three dots (⋮)** next to the user
3. Select **API Credits**
4. Enter the allowed credit limit
5. Click **Save**
The user will then be able to use credits only up to the defined limit.
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