[BUG] Rate limit screen in Claude Code doesn't offer to use available credit balance (Pro plan)

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?

That's the message I got:
You've hit your limit · resets 2pm (America/New_York)

What do you want to do?

❯ 1. Stop and wait for limit to reset

1. Upgrade your plan
2. Upgrade to Team plan

However, I have a balance of $25.79:

Extra usage
Turn on extra usage to keep using Claude if you hit a limit. Learn more TURNED ON

$7.93 spent Resets May 1 8% used

$100 Monthly spend limit

$25.79 Current balance·Auto-reload off

What Should Happen?

Should offer me to use my credit.

Error Messages/Logs

Steps to Reproduce

You just run out of your daily limit.

Claude Model

Opus

Is this a regression?

I don't know

Last Working Version

_No response_

Claude Code Version

2.1.104 (Claude Code)

Platform

Anthropic API

Operating System

Ubuntu/Debian Linux

Terminal/Shell

Other

Additional Information

_No response_