What is a banked reset, and how is it different from a regular reset and credits?
A banked reset is a reset added to your account that you apply yourself. A regular reset takes effect on its own. Credits are a paid balance for when your included usage runs out.
Full answer and how it works
A banked reset is a one-time reset OpenAI adds to your account. It doesn't apply itself: use it from the usage page on ChatGPT on the web or in the Codex desktop app, and your limits are back right away. If you don't use it, it expires. The expiry date is on your account page.
A regular reset is when OpenAI restores limits for eligible accounts directly. You don't have to do anything. Credits are a paid balance for continuing once your included usage runs out. They are not a reset. The options, prices and expiry dates available to you are on your account page.
We log banked resets and regular resets separately.