Credits available :
ResellerR1 : 20
ResellerR2 : 20
UserU1 : 20
Now, 30 credits transferred by ResellerR2 to UserU1,
Credits available :
ResellerR1 : 20
ResellerR2 : 20
UserU1 : 50
Campaign done by UserU1 on 10 numbers.
Credits available after (If selling price is kept 1 for all the accounts) :
ResellerR1 : 10
ResellerR2 : 10
UserU1 : 40
Hence, if could be concluded here that at the time of transferring the credits from reseller to any of the user, the credits will not be deducted from the reseller. But at the time of the campaign execution, the credits will be deducted from the user as well as from the whole hierarchy as per the given rate plan.