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A good way to use free API credits is to start with one small, repeatable test, such as a short summary or a simple coding question, so you can compare models without burning through the balance. Keep the key private and use it only in your own editor or project, and rotate it if you ever paste it somewhere by mistake. Check the usage dashboard early, because a long output or a repeated retry can use far more credit than a short prompt. If a model gives a weak answer, try a clearer prompt with the goal, the format, and one example before switching to a larger model. Treat any free credit as a trial, so save the prompts and answers that worked well in your own notes for later use.
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