Your credit balance is too low to access the Anthropic API: What It Means and How to Fix It (Out of Credits, or an API Key Overriding Your Plan)
"Your credit balance is too low to access the Anthropic API" (shown as "Credit balance is too low" in Claude Code) means your Claude Console organization doesn't have enough prepaid credits. There are two causes: your balance really is too low, or you meant to use a plan such as Pro or Max but Claude Code is running on an API key from the ANTHROPIC_API_KEY environment variable and billing the API instead. You tell them apart with /status. Based on Anthropic's official documentation and Help Center (checked October 26, 2026), this article explains how the error appears, three questions to find the cause, how to buy credits under Billing in the Console and set up auto-reload, how to remove the API key on macOS, Linux and Windows and check it in VS Code, how this differs from the monthly API credits for Max and Team and from usage credits, and similar but different errors.