Credit Limits

Credit Limits let workspace admins cap how many credits each member can spend in a billing cycle. Available on Team and Enterprise plans, this feature gives you control over usage without cutting anyone off unexpectedly — you choose whether hitting the cap stops the agent or just flags it for review.

Setting Up Credit Limits

Navigate to Billing → Credit Limits. You'll need workspace owner or admin access to manage this page.

Set the workspace default:

1. Under Default Credit Limit, enter a number to apply a per-user cap for the billing cycle, or leave it set to Unlimited to impose no default restriction.

2. Choose an enforcement mode:

• Hard — the agent stops when a member reaches their limit. They'll see an error and a prompt to request more.

• Soft — the agent continues past the limit, but usage is flagged and visible to you in the usage table.

1. Click Save to apply the default to all members who don't have a per-user override.

Note: Limits reset at the start of each billing cycle (calendar month). Usage during the current cycle doesn't carry over.

Per-User Overrides

If a specific member needs a different limit from the workspace default — more headroom for a power user, a tighter cap for someone onboarding — you can set an individual override.

1. In the member usage table at Billing → Credit Limits, find the member you want to adjust.

2. Click their row to open the override panel.

3. Enter the credit limit you want to apply to that member and click Save.

The member's Effective Limit column will update immediately to reflect their override.

To remove an override and revert a member to the workspace default, open their override panel and click Remove Override.

Note: Per-user overrides take precedence over the workspace default. Changing the workspace default later won't affect members with active overrides.

Monitoring Usage

The usage table at Billing → Credit Limits shows every member in the workspace with:

• Effective Limit — their active cap (workspace default or per-user override)

• Current Cycle Usage — credits spent so far this billing period

• Progress bar — a visual indicator of how close they are to their limit

Above the table, the Usage Summary shows the billing period start and end dates, plus a count of members currently at 80% or more of their limit. This is the fastest way to spot who might need a limit adjustment before they hit their cap.

Handling Limit Increase Requests

When a member hits their hard limit, they can submit a request for more credits directly from the error they see. You'll receive an email notification when a request comes in.

To review requests:

1. Go to Billing → Credit Limits.

2. Open the pending request from the member.

3. Review their requested limit and the reason they provided.

4. Click Approve to set a per-user override at the requested amount, or Deny to decline the request.

Approving a request automatically creates a per-user override for that member. They don't need to do anything else — their new limit takes effect immediately.

What Members See

Members on Team and Enterprise workspaces see credit usage information in the chat footer as they approach or exceed their limit.

Approaching the limit (75% used):

An amber banner appears at the bottom of the chat: "You've used X of Y credits this billing cycle (Z%)." This is informational — the agent keeps running normally. The banner can be dismissed with the × button and won't reappear in the same session, though it may show again in new threads if the condition still applies.

Soft limit exceeded:

An orange banner appears: "You've exceeded your credit limit for this billing cycle. Agent execution may continue but usage is being monitored." Under soft enforcement, the agent continues running. The banner is dismissible.

Hard limit reached:

The agent stops. An error bar appears with a message directing the member to their admin. A Request Increase button appears in the error bar.

To submit a request, the member clicks Request Increase, enters the credit amount they need and a brief reason, and submits. They'll see a confirmation once the request is sent. From there, it's in the admin's queue.

Note: Credit Limits are only available on Team and Enterprise plans. Members on Personal plans won't see usage banners or limit-related messaging.

Troubleshooting

The Credit Limits page isn't visible in my Settings.

This page is only accessible to workspace owners and admins. If you're a member without admin access, you won't see it. Ask your workspace owner to grant you admin access if you need to manage limits.

A member says they hit their hard limit but I don't see a request.

The Request Increase button is optional — members aren't required to submit a request when they hit their limit. Check the usage table to confirm their current usage, and set a per-user override directly if you want to give them more headroom.

I changed the workspace default but one member's effective limit didn't change.

That member likely has a per-user override in place. Overrides take precedence over the workspace default. Open their row in the usage table to review or remove the override.

A member's usage shows 0 but they've been active this cycle.

Credit usage syncs periodically. If the member just started a session, their usage may not have updated yet. Refresh the page and check again.

Something else isn't working as expected.

Reach out to help@obvious.ai with your workspace name and a description of what you're seeing. Include the member's name if the issue is account-specific.