diff --git a/public/assets/my.js b/public/assets/my.js
index 20e94a1..e3989aa 100644
--- a/public/assets/my.js
+++ b/public/assets/my.js
@@ -197,6 +197,8 @@
         // numbers only move when a campaign is created, topped up or paused
         const purchased = d.credits || 0, earned = d.earnedCredits != null ? d.earnedCredits : (st.earnedAvailable != null ? st.earnedAvailable : (st.earned || 0)), inC = d.inCampaigns || 0;
         $('dbCredits').textContent = (purchased + earned).toLocaleString();
+        // the Wallet tab card showed on-chain credits only, so promo/earned credits looked like 0 there (Jim, 2026-09-13)
+        if ($('creditLine')) $('creditLine').innerHTML = (purchased + earned).toLocaleString() + ' <span class="muted small" style="font-family:inherit;font-size:13px">' + purchased.toLocaleString() + ' purchased · ' + earned.toLocaleString() + ' earned</span>';
         $('dbCreditsSub').textContent = purchased.toLocaleString() + ' purchased' + (d.creditedCredits ? ' (' + d.creditedCredits.toLocaleString() + ' credited to you)' : '') + ' · ' + earned.toLocaleString() + ' earned' + (inC ? ' · ' + inC.toLocaleString() + ' in campaigns' : '');
         donut($('chDonut'),
           [{ v: purchased, color: CH.mint }, { v: earned, color: CH.cyan }, { v: inC, color: CH.amber }],
diff --git a/public/my.html b/public/my.html
index 7dc17d0..4a5bf6f 100644
--- a/public/my.html
+++ b/public/my.html
@@ -867,7 +867,7 @@
             <p id="walletBal" class="small" hidden></p></div>
           <div class="card"><h3>Ad credits</h3>
             <p class="mono" style="font-size:26px;margin:0" id="creditLine">0</p>
-            <p class="muted small">1 credit = 1 cent of ad delivery across the network. Recorded on-chain. Only your campaigns can spend them.</p></div>
+            <p class="muted small">1 credit = 1 cent of ad delivery across the network. Purchased credits are recorded on-chain; earned credits (viewing, promo codes, welcome bonus) live on your account. Only your campaigns can spend them.</p></div>
         </div>
         <div class="card" id="linkCard" hidden>
           <h3>Link your wallet</h3>
@@ -915,7 +915,7 @@
 <script src="/assets/common.js?v=20260913a"></script>
 <script src="/assets/wallet.js?v=20260911a"></script>
 <script src="/assets/promo.js?v=20260911a"></script>
-<script src="/assets/my.js?v=20260913b"></script>
+<script src="/assets/my.js?v=20260913c"></script>
 <script src="/assets/chat.js?v=20260907l"></script>
 </body>
 </html>