I understand your feedback about the credit warning appearing at 49% remaining. You're right that this seems premature for a "very low" credit balance notification.
Your credits will roll over on 12/5 as shown, and with nearly half your credits remaining, you have plenty of buffer. [1] If you need additional credits before then, you can purchase credit top-ups at any time.
Thanks for the feedback on the notification threshold - this type of user experience input helps improve our platform.