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Hey, the credits that were directly deposited to Railway credits will be automatically applied on your next invoice. You can navigate to https://railway.com/workspace/usage and see your estimated bill after your credits (which is shows as "Credits Available"). In my case, since I have $215 of credits, the bill would be covered by my credits and be $0.

Does i have to add visa to use these credit for next invoices?

Hey, I believe that this is correct since the free plan only includes $1 of usage and doesn't let you use more since there is no payment method linked to charge the additional usage. Unless I am wrong and the Railway credits actually extends the free plan limits, you most likely need to upgrade to a paid plan, such as the hobby plan for $5 using your credit card, which then enables you to use the Railway credits on your next invoice.