[BUG] CLI completely blocked by "out of extra usage" error despite Max 20x plan at only 10% usage

Preflight Checklist

• [x] I have searched existing issues and this hasn't been reported yet
• [x] This is a single bug report (please file separate reports for different bugs)
• [x] I am using the latest version of Claude Code

What's Wrong?

What's Wrong:

Plan: Claude Max 20x ($200/month)
Claude Code version: v2.0.76
OS: macOS
Current session usage: 10%, Extra Usage balance: $0.00
Every CLI command (including claude --version, claude logout, claude config) returns API Error: 400 "You're out of extra usage"
CLI is completely unusable despite plan limits not being reached

Steps to reproduce:

Have Max 20x plan with Extra Usage balance at $0.00
Run any claude command
Get "You're out of extra usage" error regardless of actual plan usage

What Should Happen?

CLI should use plan quota (currently 10% used), not require Extra Usage credits. Web interface works normally with the same account.

Error Messages/Logs

API Error: 400
{"type":"error","error":{"type":"invalid_request_error","message":"You're out of extra usage. Add more at claude.ai/settings/usage and keep going."},"request_id":"req_011CZqiipW9q9ndbZPzBwQnA"}

Steps to Reproduce

1. Have Claude Max 20x plan with Extra Usage balance at $0.00
2. Run any claude command (claude, claude --version, claude logout, claude config)
3. Every command returns "out of extra usage" error
4. Web interface (claude.ai) works normally with same account

Claude Model

None

Is this a regression?

Yes, this worked in a previous version

Last Working Version

_No response_

Claude Code Version

2.0.76

Platform

Anthropic API

Operating System

macOS

Terminal/Shell

Terminal.app (macOS)

Additional Information

• Plan usage: Session 10%, Weekly 5% (all well within limits)
• Extra Usage balance: $0.00 (auto-reload disabled)
• Web interface works normally, CLI is completely unusable
• rm -rf ~/.claude + claude login did not resolve the issue
• Issue persists across all commands including claude --version