[BUG] "Out of extra usage" error despite available Max plan quota (72% session, 68% weekly remaining)

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?

Preflight Checklist

• [x] I have searched existing issues and this hasn't been reported as resolved
• [x] This is a single bug report
• [x] I am using the latest version of Claude Code (v2.1.4)

What's Wrong?
Claude Code throws an "out of extra usage" error despite having significant plan quota remaining. This is a billing logic bug — Claude Code is checking Extra Usage balance ($0.00) instead of Max plan quota.

Current Usage at time of error:

• Current session: 72% used (28% remaining) — resets 12:30pm IST
• Current week (all models): 68% used (32% remaining) — resets Apr 10
• Current week (Sonnet only): 3% used (97% remaining) — resets Apr 14

Error:
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_011CZqnY5KHy5SnVvU7Rgtv8"}

Plan: Claude Max ($100/month)
Claude Code version: v2.1.4
Model: Sonnet 4.5
Platform: macOS (Cursor terminal + Claude desktop)
Auth: Logged in via Anthropic OAuth (not API key)

Steps to Reproduce:

1. Subscribe to Claude Max plan
2. Have Extra Usage enabled but balance at $0.00
3. Run any prompt in Claude Code
4. Error appears immediately despite available plan quota

Expected Behavior:
Claude Code should use Max plan quota (which has remaining capacity) before erroring. Extra Usage should only activate after plan quota is exhausted.

Actual Behavior:
Claude Code checks Extra Usage balance ($0.00) and errors immediately, ignoring available Max plan quota.

Workarounds Tried:

• Toggled Extra Usage OFF → still errors
• Logged out and back in → still errors
• Restarted Cursor → still errors

Related Issues: #28450, #41605

Note: The $100 I received as a one-time Max compensation credit has been consumed. I should NOT need to purchase additional credits to use Claude Code when my Max plan quota is available.

What Should Happen?

Expected vs Actual Behavior (Billing Logic)

EXPECTED (correct flow):

1. User makes request
2. Check Max plan quota → if available → serve request ✅
3. Only if plan quota exhausted → check Extra Usage balance
4. Only if both exhausted → throw "out of extra usage" error

ACTUAL (broken flow):

1. User makes request
2. Check Extra Usage balance → $0.00 → error immediately ❌
3. Max plan quota is never checked (28% session + 32% weekly ignored)

Extra Usage is supposed to be a top-up for when plan quota runs out —
not a prerequisite for using the plan. Currently Claude Code bypasses
Max plan quota entirely and errors on Extra Usage balance = $0.00.

This is equivalent to a bank checking your overdraft facility before
checking your actual account balance. The billing priority is reversed.

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_011CZqoEJ86UMG9pq6cgZueu"}

Steps to Reproduce

<img width="713" height="339" alt="Image" src="https://github.com/user-attachments/assets/336d2ad7-a9de-4ed2-8182-1cdc58067a64" />

Claude Model

None

Is this a regression?

Yes, this worked in a previous version

Last Working Version

_No response_

Claude Code Version

2.1.4

Platform

Anthropic API

Operating System

macOS

Terminal/Shell

Terminal.app (macOS)

Additional Information

_No response_