Insufficient quota message while quota is available

What version of Codex is running?

0.1.2504251709

Which model were you using?

o4-mini

What platform is your computer?

darwin | arm64 | 24.4.0

What steps can reproduce the bug?

• ```

what is this codebase about
```

• 0 reasoning | 0 tool

What is the expected behavior?

I have 2 api keys on my ~/.zshrc file, both have remaining quota (5.00), organization verified (not exporting the two at the same time)

Codex should use the credits available or provide a direct link and specific reason why quota is "insufficient".

What do you see instead?

"⚠️ Insufficient quota. Please check your billing details and retry."

Additional information

_No response_