Claude Code charges Extra Usage money then switches to plan tokens - toggle required throughout

Bug Description

When weekly plan usage reaches ~90%, Claude Code requires the "Extra Usage" toggle to be ON to function. Initially it charges real Extra Usage money, but later switches to consuming included plan tokens — while still requiring the toggle. Turning the toggle OFF at any point causes "API Error: Rate limit reached" even with included tokens remaining.

Environment

• Claude Code version: v2.1.45
• Model: Opus 4.6 (1M context)
• Plan: Claude Pro
• OS: macOS (Darwin 24.6.0)

Timeline of Issue

1. Weekly usage reached ~90%. Claude Code stopped working with "API Error: Rate limit reached"
2. Turned ON Extra Usage to continue working
3. Phase 1: Extra Usage balance went from ~$27 → $32.29 (charged ~$5 of real money)
4. Phase 2: At some point, Extra Usage dollar amount stopped increasing ($32.29 stayed flat), but weekly plan tokens continued climbing (92% → 93% → etc.) and session usage increased (21% → 25%)
5. Throughout both phases: Turning Extra Usage OFF immediately caused "Rate limit reached" again, even though included plan tokens were available
6. Tested in fresh Claude Code session from home directory (no heavy context) — same issue

Expected Behavior

• Claude Code should use included plan tokens until they're exhausted (100%)
• Extra Usage should only be needed/charged after included tokens are fully consumed
• The Extra Usage toggle should not be required as a gate when included tokens remain

Actual Behavior

• Claude Code stops working at ~90% weekly usage unless Extra Usage is ON
• Initially charges Extra Usage money (~$5) that should have been covered by included tokens
• Later switches to using included tokens but still requires the toggle ON
• Users are charged real money unnecessarily AND confused by the toggle requirement

Steps to Reproduce

1. Use Claude Pro plan until weekly usage reaches ~90%
2. Open Claude Code and send any message → "Rate limit reached"
3. Turn ON Extra Usage → works (initially charges money)
4. Continue using → at some point stops charging money but uses plan tokens
5. Turn OFF Extra Usage at any point → breaks immediately

Impact

• ~$5 charged unnecessarily to Extra Usage when plan tokens were available
• Confusing billing behavior (charges money, then stops, but toggle still required)
• Users cannot use Claude Code near end of weekly cycle without enabling Extra Usage
• Creates distrust in billing accuracy

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Filed via Claude Code on behalf of user