First, on ANY monthly plan, you lose your credits if you do not use them all by the end of the month. (And don't expect a refund for unused credits!)
Second, if you try to cancel your subscription they will CHARGE YOU MORE for a cancellation fee! And mind you, there is no way to cancel your subscription yourself. You have to get a hold of someone in customer support during their limited business hours to help cancel.
I tried sending an email but got NO RESPONSE until AFTER they charged me again! How convenient is that! Then, they refused to reverse the charge even though I had emailed their support team 2 weeks before the charge was processed. They basically hit me with a... "well we're only cancelling your subscription going forward as a courtesy so we don't have to refund the previous payment even though we ignored your request for 2 weeks!"
This company has COMPLETELY missed the mark when it comes to customer experience AND product value. They are a SCAM and will continue to charge your card on their terms regardless of whether or not you are even using their services.
I have been a customer for over 3 years and unfortunately, my experience has been TERRIBLE. (recently made the mistake of signing up for a subscription) There are so many other BETTER photo companies to spend your money on. STEER CLEAR OF SHUTTERSTOCK!