Microsoft Copilot credit limits malpractice

Peter Williams 0 Reputation points
2026-07-26T13:09:18.5366667+00:00

I signed up for 365 Personal. there was no mention of a cap on credits, and yet 5 days before the end of the month, without any warning, I am unable to utilise Copilot in Word.

This is mis-marketing. You do not stipulate this in your advertising.

This is extremely poor business. What is going on?

Microsoft 365 and Office | Subscription, account, billing | For home | Other

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  1. Nathan R 500 Reputation points Independent Advisor
    2026-07-27T07:59:47.74+00:00

    Hey there, Peter Williams

    Talk about hiding rather important factors in the small print!

    I will admit, it is not ideal with how they have done it. Most people don't click onto the 1 or read the fine print when subscribing to a subscription. The product page is a better layout because it actually tells you usage limits apply which may make people follow the link, but the link would have been better being clickable.

    Copiliot says that it is not aware of how credits are accrued/used. Did you find out about this?

    I remember when testing this in Paint and on the website, it used to display the credit balance. I have looked all over the place, and tried to find articles that showed you where you could see the balance. The only place I could see the balance was the designer website when creating an image. Please can you sign into your account here: https://designer.microsoft.com/image-creator?scenario=texttoimage

    In the top-right corner, do you see your balance?

    User's image

    According to the FAQ, it states these credits cover CoPilot in Microsoft 365, Image creator and other Microsoft CoPilot features. I am going to provide feedback about this through the feedback portal to ask that balance is displayed within the Service & Subscription page. I would recommend you providing feedback by signing into the CoPilot website here: https://copilot.microsoft.com/

    Once you have signed into your account, please click onto your profile at the bottom-left corner.

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    Then click onto "Give feedback"

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    This will allow the product team to collate the feedback and see if it is something they can add.

    Also, why don't they have a countdown, so users can use the system accordingly

    They do on the Microsoft Designer website, here: https://designer.microsoft.com/image-creator?scenario=texttoimage, but for some reason they haven't thought about adding this countdown on other Microsoft apps/Services.

    This is why I recommend adding feedback, so they can review it and hopefully add it to their roadmap to include in a future release.

    Hope this helps,
    Nathan

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  2. Peter Williams 0 Reputation points
    2026-07-28T02:40:08.65+00:00

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  3. Peter Williams 0 Reputation points
    2026-07-26T23:08:20.72+00:00

    I appreciate your response Nathan. Talk about hiding rather important factors in the small print! Copiliot says that it is not aware of how credits are accrued/used. Did you find out about this? Also, why don't they have a countdown, so users can use the system accordingly.
    I appreciate your efforts.

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  4. Nathan R 500 Reputation points Independent Advisor
    2026-07-26T14:33:20.6133333+00:00

    Hey there, Peter Williams

    I signed up for 365 Personal. there was no mention of a cap on credits, and yet 5 days before the end of the month, without any warning, I am unable to utilise Copilot in Word.

    There is mention of a cap, but it is within the details and not within the main features page. You have to go clicking through the main page, here: https://www.microsoft.com/en-gb/microsoft-365/buy/compare-all-microsoft-365-products, to find it. On the main page, it says

    Word, Excel,3 PowerPoint, Outlook and OneNote desktop apps with Microsoft Copilot1

    User's image

    When you click onto the 1, it leads you to the terms at the bottom of the page. It then tells you:

    [1] AI features only available to subscription owner and cannot be shared; usage limits apply. Learn more. Minimum age limits may apply to use of AI features. Details.

    You then have to click onto learn more, after usage limits apply (I have placed this in bold above). This takes you through to this article here: https://support.microsoft.com/en-us/microsoft-365-copilot/ai-credits-and-limits-for-microsoft-365-subscriptions

    In this article, it states the credits for each plan for CoPilot in Microsoft 365 apps.

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    So if you were on the main compare Microsoft 365 pages, you would have to follow the links placed as numbers to find more information about the limitations. However, if you looked on the main product page here: https://www.microsoft.com/en-gb/microsoft-365/p/microsoft-365-personal/cfq7ttc0k5bf

    There is mention about usage limits apply and provides you a link you must copy and paste into your browser's URL to see those details.

    You can write into your local Microsoft office about this and ask if they can make it more clear when advertising. To contact your local Microsoft office, please see their locations here: https://www.microsoft.com/en-us/worldwide

    I did try and see if there was a way to provide feedback directly through that site, but I couldn't find any option to do this.

    Hope this information is helpful,
    Nathan

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