A credit is the unit this works in: one credit opens one month on one connection. You buy them in a block, they sit in the panel until you spend them, and spending one produces a standard Xtream login in about fifteen seconds. Nothing about the stream changes - the account you issue pulls the same feeds at the same bitrate as one bought from this site directly.
Do the arithmetic before you commit to a pack. Credits are priced per connection-month, while retail plans here are priced per term, and the two do not line up evenly: a twelve-month account costs twelve credits, which at the smaller pack rates is more than the published twelve-month price on our own pricing page. That is not a catch, it is what happens when a per-month wholesale rate meets a discounted annual retail rate - but it does mean the margin lives in short and mid-length terms, not in undercutting our yearly plan. Work out your own numbers against the terms you actually intend to sell.