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Each keyword analysis costs 100 credits. Credits are deducted whether the result comes from cache or a fresh API call. SERP analysis (on-demand) does not cost additional credits.
Yes, you can cancel your subscription at any time. Your remaining credits will stay usable until your subscription period ends.
Unused credits carry over when you renew. If you cancel, credits remain usable until your subscription expires. After expiration, subscription credits are cleared but your 300 welcome credits are always preserved.