Humble has this covered on their support page, under FAQ:
https://support.humblebundle.com/hc/en-us/articles/1260801750469-Humble-Choice-Automatic-Billing-and-Content-Release-Dates
Simplified, you buy 12 credits and you can still choose what months to use them. So you can be on an annual plan that will end in more than 12 months from time of subscribing.
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I purchased the Hunble Choice annual plan (December 2024 to November 2025). If I skip January 2025 (I already have almost all the games), will my plan be extended by one month, ending in December 2025, or will I miss a month and it will only be valid until November 2025?
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