Billing error, expired credit card: misleading error message in Claude

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?

Billing failure with expired credit card generates following misleading error in Claude:

"Your organization has disabled Claude subscription access for Claude Code · Use an Anthropic API key instead, or ask your admin to enable access"

What Should Happen?

The error should indicate that there is a billing error. Ideally, that payment was decline

Error Messages/Logs

Your organization has disabled Claude subscription access for Claude Code · Use an Anthropic API key instead, or ask your admin to enable access

Steps to Reproduce

Have an expired or cancelled credit card during auto monthly billing

Claude Model

None

Is this a regression?

No, this never worked

Last Working Version

_No response_

Claude Code Version

laude Sonnet 4.6 (model ID: claude-sonnet-4-6).

Platform

Anthropic API

Operating System

Windows

Terminal/Shell

Windows Terminal

Additional Information

_No response_