Why am I getting 402 'Insufficient credits'?

Your balance can't cover the call, so ClearRun refused it. Nothing was scored or charged. The reply includes creditsNeeded and currentBalance.

Last updated November 9, 2026

Fix

Wait for your monthly allowance to reset.
Move to a higher tier on the billing page.
Check what used your credits in Usage history.

Credits left, still 402?

If a payment failed, score, evaluate and chat return this same 402 until the payment goes through, even with credits left. Paste Check is blocked too. See What happens if a ClearRun payment fails?