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Credits are the balance for the extras: 4K output, full-body scenes and upscaling. Portraits themselves are included in your account's or plan's daily allowance and use no credits. Your subscription tops up new credits every month.
It depends on the plan. Solo gives 3 credits a month, Starter 25, Pro 100 and Business 350, each for extras like 4K and scenes. Portraits themselves run on the daily allowance. You can always see the exact numbers on the pricing page.
No. Unused credits do not expire, they stay on your account. Nothing is deleted automatically at snaptosuit.
Yes. On top of your subscription you can buy extra credits as a top-up anytime. That is handy when you need more portraits in a given month.
A regular portrait uses no credits, it is included in your account's or plan's daily allowance. Credits are only needed for the extras: the 4K add-on costs 1 credit, a full-body scene 4 and an upscale 1. You see this before confirming.