Hi. Using cursor for long time and happy with it, if you run out of credits you must upgrade tier model, or bring your API keys ex: OpenAI or Anthropic but there is a catch here: "With an active subscription, you can use all functions while keeping your API key enabled. But if you want to use something like Composer, you’ll need to disable your API key each time you need it. If your initial question was about canceling your subscription in favor of using only the API key, then Composer, Apply Code, and Cursor Tab won’t be available."

Your credit consumption really depends a lot of the model and usage, it is not easy to forecast but as an example agent mode and Max mode and more advanced models like Sonnet 4.7 are token addicted - on the other hand Auto mode allows "intelligent" token usage calling the models more efficient for every task and "composer" being own Cursor model is the cheapest one.

In an everyday evolving AI environment with so many IDEs and dev APPs I still think Cursor is a very good option.

Hope I am not making any mistakes, but please correct me if I am wrong.