Please view our doc here and go to the GHL use case section:
https://docs.google.com/document/d/1aDgF7nD2rJsmdrgSWVvHlpdsqQ3UEXGaKGJx72PPIqU/edit
Hope this helps.
9. How does your credit system work?
So credits are used for text message segments and calls. Every social and text message segment you send and receive (about 160 characters) is equal to 1 credit. Every 60 seconds you’re on the phone is equal to 1 credit. With our LTD's we give you a certain amount of credits you can send each month. Our monthly paid plans include unlimited credits. Now to be clear - that doesn't mean we cover the cost of your texts or calls. You would still have to pay for your usage through whoever you're using (Twilio, Bandwidth, SIM card, etc). But once you send your monthly allotment of credits, you won't be able to send texts or make any more calls, unless you buy more credits or upgrade to an unlimited subscription plan.