Loans, how are they credited and how are they written off?

I had a paid subscription until December 28th. I plan to pay for my subscription in a week. At the end of the subscription, I had about 400 credits left. Plus, you were giving away 150 credits a day for free.
I haven’t logged into the program for two days. And today I wanted to download some songs, record them, and master them. And this requires loans. But for some reason, my account has 0. And according to the description of my free rate, you won’t even give me daily free ones. What is the reason for this?

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