So, I had been paying for audible for probably 7 or 8 months, had half a dozen credits, and lost my job due to covid bs. I ended up being unable to afford the $15 a month and I already had some credits so I canceled my membership to keep from overdrafting my account. And as I was scrambling to get things done I didn't read the fine print. What they don't tell you is that they take your already earned credits if you stop paying. I got maybe 3 audio-books on that account and spent over $100.. 😭