Apollo.io credit traps activate in three places the pricing page ignores. The 275M contact database includes 179M unverified records — export without the verified filter and bounce rates hit 30%+. Credits reset monthly with zero rollover, so slow months lose budget permanently. Multi-seat teams with non-prospecting AEs pay full Professional rates on seats burning near-zero credits. Actual costs run 2–3x the base subscription at agency scale.