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AI credits used up (monthly refresh, debt, task too large)

You might be here because: “AI credits exhausted” · “you’ve used your AI credits for now” · “AI stopped working mid task” · “402 when sending a message to the agent” · “AI is paused on this account” · “this request is too large to run on AI credits” · “when do my AI credits reset” · “trial AI credits gone” · “out of AI credits” · “AI says no credits left” · “buy more credits”

Short answer

Your account funds AI turns from credits, and the balance cannot cover the next turn. The error (AI credits exhausted, HTTP 402) says which case you are in: balance used up, an account debt, or a single request too large. Credits on paid plans refresh each billing period. On plans that allow it, adding your own provider key keeps AI going at zero balance. The free trial has no AI agent and no credits at all, so a trial account never reaches this error — it is refused earlier, with “AI isn’t included on this account’s current plan (Trial).” The one exception is a paid plan that has ended (case 3 below).

Check first

  • Read the exact sentence — each case has its own.
  • Which plan? Monthly credits are 1,000 per profile the plan can run at once — Starter 1,000, Pro 3,000, Team 6,000, Scale 12,000 — with no rollover. The Trial gets none: it has no AI agent.
  • Is a key already on file, and is your AI source set to credits or to your key?

Likely causes and fixes

  1. “You’ve used your AI credits for now. They refresh on [date].” — balance used up on a paid plan. The response carries resets_at. Fix: wait for the refresh, or, if the sentence names it, add your own provider key, or send it in the x-byok-anthropic-api-key request header (a header key is used whatever your AI source is set to). Credits are granted from a paid invoice, not from a subscription status — so a renewal whose payment has not gone through yet does not refresh credits.

  2. “You’ve used the AI credits that come with your trial…” — an older message. The free trial has no AI agent and no AI credits, so a trial account is refused before any balance is read, with “AI isn’t included on this account’s current plan (Trial).”. Fix: choose a plan. Adding your own key does not help on a plan with no AI agent.

  3. “Your plan has ended. Choose a plan to use Driftstack’s AI again…” — your paid plan ended: it was cancelled, so the account is back on the unpaid tier (HTTP 402, also when you start an AI session or switch one to AI). Choose a plan. If a card renewal payment failed, AI is refused with “Your last payment didn’t go through…” instead (code: "payment_failed") while the card is still being retried. Once the last retry fails, the plan has ended and AI is refused with “Your plan has ended…” (code: "plan_ended"). When a crypto-paid month ran out with no new one paid, it says “Your plan has ended: its crypto-paid term ran out. Pay for a new term…” with a link to Billing (code: "plan_ended", payment_rail: "crypto"). On a teammate’s account in someone else’s workspace, it says “This workspace’s plan is paused until its owner’s payment goes through. Ask the workspace owner.” (code: "workspace_payment_failed"), or, once the plan has ended, “This workspace’s plan has ended. Ask the workspace owner to choose a plan.” (code: "workspace_plan_ended"), with no link; see Payment failed. An account that never had a paid plan and whose trial ended is told “AI isn’t included on this account’s current plan (Trial).” instead.

  4. “This request is too large to run on AI credits. Shorten it or start a new chat.” — the reservation is already at the model’s maximum; topping up would not help. Shorten the message or start a new chat.

  5. “AI is paused until your plan change is settled…” — a downgrade took credits back and the account owes them; AI resumes when the next credits arrive.

  6. “AI is paused on this account because a payment was reversed. Contact support to restore it.” — a chargeback/reversal put the account in debt. Only a person can restore this.

If it still fails

Press Talk to a person in this chat (or open Help) and include: account email, the exact sentence, the reason and (if shown) available_credits, required_credits, resets_at. Anything involving a reversed payment, a disputed charge, or a plan change you did not make goes to a person.