I have been a member on the monthly plan for about 3 years Over that time I built up several credits. What I found out is you cannot gift them other than 1 per month for a $10 fee. You cannot stop the monthly charge and use the credits to built up. You must pay $20 per month for the "privilege" of using bought and paid for sessions. If you don't use them in 6 months of $20/month you have to get permission to extend it. I did that except the ME person turned on the monthly charge again. I called again and basically begged to "make it stop" and the district manager has ghosted me. DO NOT I repeat DO NOT get into their monthly club. I would love to talk to someone up the food chain but they wouldn't give me contact info