Out of credits: what pauses
Chat and background work stop together, and how to get going again.
Credits are one pool. When they're gone, chat replies pause and so do routines, follow-ups and Home card checks. Everything you've already got stays readable; nothing is deleted.
On a paid plan, credits refresh on your next monthly date, shown on the Usage page. On the free trial they don't refresh; upgrade to continue. Either way osmos picks up where it left off, and any routine that missed a run tells you so.