> For the complete documentation index, see [llms.txt](https://help.fixfolio.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.fixfolio.ai/en/enterprise/manual/user.md).
# General User
## 1. Credit Usage Status
Credits are **organization-wide credits**and **team-specific limits** managed based on.
1. **Top credit display (based on total balance)**: **The credits shown at the top right are displayed based on the organization-wide credit balance**. Also, if your team limit is nearly used up, a warning icon is shown together, allowing you to quickly check availability.
2. **Credit Details**: When you hover over the top credit display area, it is shown as follows depending on the team budget setting method.
1. **When there is no budget limit for each team**
: If the enterprise administrator has not set a budget limit, the team can use credits freely within the organization-wide credits.
1. Only the organization-wide credit balance is displayed
2. Available without a separate team limit
2. **When a team budget limit is set**: If the enterprise administrator has set a budget for each team, that team can use credits only within the set limit. **If the team has used up its entire limit, additional use is restricted even if organization-wide credits remain. In this case, you must request the enterprise administrator to adjust the team credit limit.**
1. Organization-wide credit balance
2. My team limit
3. Remaining limit and usage
## 2. Team Reference Asset Management
From the left menu on the main screen, **\[Reference Assets]**click to go to the Reference Assets page, where you can manage your team's references.
1. **Create folder:** You can create folders to group and manage references.
2. **Rename folder:** You can edit the name of a created folder.
3. **Pin to top and delete:** You can pin references to the top of the list or delete them.
4. **File upload:** You can upload additional references to the selected folder, and you can select multiple files at once to upload them together.
## 3. Create Banners Using Reference Assets
Enterprise users can create banners using reference assets.
The basic creation process is the same, and the only difference is how references are selected in the '1. Select Purpose \~ 2. Select Reference' steps as shown below.
1. In the Select Purpose step, **\[Start with directly uploaded references]** toggle on
2. Select the reference folder to use
3. In the Select Reference step, after selecting the desired reference, **\[Next]** button click
The rest of the process continues the same as standard banner creation.
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