What a band credit is, how many you start with, and how to get more.
Creating a band costs one credit. New accounts start with one, so you can create your first band immediately after signing up.
Each additional band costs another credit, and credits are granted by a platform admin. There is no billing attached — it is an approval step, not a purchase. Ask an admin to add credits to your account, and the option to create a band comes back.
Joining someone else's band never costs a credit. Credits are only spent by the person who creates the band.