First of all, they automatically enroll you into a year-long contract with ridiculous fees when you realize what they did and need to cancel. Then if you do cancel or terminate your account, they will not let you access your credits. This is absolutely ridiculous. Any other stock image service allows you to use your credits when you need them. I guess they expect you to just use the credits for the sake of using them, rather than when you need them like every designer or business person would. This is the most unethical licensing and pricing model I've ever seen from a large software company. I've paid for the creative cloud suite for years now, and practices like this make me sick. BTW Adobe, figure it out, all of the top posts in your Adobe Stock Forum are related to your crooked business practices.