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Using Credits Effectively

Credits are basically store credit on LeadChuck. You can't cash them out, but they automatically cover your lead fees — so they're as good as money on the platform.

What Are Credits?

Credits are a platform balance that pays for lead fees. When you accept a lead and you have credits, they get applied automatically before your bank gets charged.

  • •Example: You have $20 in credits and accept a $50 lead. You only get charged $30 from your bank. The $20 in credits covers the rest.
  • •Credits can't be withdrawn or converted to cash
  • •They apply automatically — no coupon codes needed

How You Earn Credits

There are three main ways credits show up in your account:

  • •Dispute refunds— If you accept a bad lead and win the dispute, you get a credit for the lead fee (and the platform fee too if it's still in the hold period).
  • •Referral bonuses — Invite other contractors. When they complete their first lead transaction, you earn $10 for your first 4 invites, $15 for invites 5–9, and $25 for each one after that.
  • •Promotions — We run occasional promos. Keep an eye on your email.

Credits page showing balance summary

The Credit Lifecycle

Credits go through a few stages:

  • HELD→ Sometimes credits are held during a dispute or hold period. You can see them but can't use them yet.
  • AVAILABLE→ Ready to use. These get applied automatically to your next lead fee.
  • REDEEMED→ Used up. Applied to a lead fee.
  • EXPIRED→ Gone. Sat unused for too long.

Expiration: The 6-Month Rule

Credits expire after 6 months of inactivity. But here's the key — any lead transaction (sending or accepting a lead) resets the clock on all your credits.

  • •Stay active and your credits never expire
  • •We'll email you warnings at 90, 30, and 7 days before expiration
  • •Oldest credits get used first (FIFO) — so the ones closest to expiring get spent first

💡 Pro Tips

  • •Stay active and your credits never expire. Even one lead transaction resets the clock on ALL your credits.
  • •Invite contractors to stack credits.Four invites = $40 in credits. That's almost a free lead.
  • •Credits auto-apply.You don't need to do anything. If you have $20 in credits and accept a $50 lead, you only get charged $30.
  • •Check your credits page periodically.Know what's available, what's held, and when things expire.

Have questions about your credits? Contact us.