[BUG] [SHOW-STOPPER] Usage Credits suddenly being ignored by Claude Code Terminal

### Preflight Checklist

- [x] I have searched [existing issues](https://github.com/anthropics/claude-code/issues?q=is%3Aissue%20state%3Aopen%20label%3Abug) 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?

After working on Usage Credits for 2 days, Claude Code Terminal spontaneously claims:

`You've hit your weekly limit · resets 3am (Europe/London)
/usage-credits to finish what you’re working on. `

Then under `/status` I see

`Usage credits Usage credits are off · /usage-credits to turn them on`

But in website it correctly reports that Usage Credits are on and limit has NOT been reached:

`Usage credits Turn on usage credits to keep using Claude if you hit a plan limit. [Learn more](https://support.claude.com/en/articles/12429409-extra-usage-for-paid-claude-plans) £188.52 spent Resets Oct 1 75% used`

So Claude Code Terminal does not agree with web settings.

Confirmed on two different machines - Windows 10, Windows 11.
Version: 2.1.265

### What Should Happen?

EITHER
1. Website & Terminal should explain why Usage Credits cannot be used, even with credit balance and turned on.
OR
2. Terminal should continue using Usage Credits

### Error Messages/Logs

```shell

```

### Steps to Reproduce

Use Claude Code Terminal as normal.

### Claude Model

Not sure / Multiple models

### Is this a regression?

Yes, this worked in a previous version

### Last Working Version

_No response_

### Claude Code Version

2.1.265

### Platform

Anthropic API

### Operating System

Windows

### Terminal/Shell

Windows Terminal

### Additional Information

_No response_

No source file, test, or code entry point is identified in the report. Start by reproducing the behavior on Windows Terminal with Claude Code 2.1.265, comparing /status and /usage-credits with the website's usage-credit state; done means the terminal and website consistently explain the limit or usage credits continue working.

Written by the indexing model from the issue text.