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In this tutorial, Gotham from AWS explains how credit sharing functions within an AWS organization. By default, credits on accounts are shared across all accounts under the organization's consolidated bill. If you want credits to apply solely to the account they're attached to, you can disable the credit sharing feature on the payer account. Once disabled, credits will only cover usage from the owner account, and any unutilized credit won't apply to the current month's usage. However, if credits are unexpired, remaining amounts will roll over to subsequent months. Gotham also outlines the steps to disable credit sharing, starting with signing into the AWS management console of the payer account.
