diff --git a/packages/ai/CHANGELOG.md b/packages/ai/CHANGELOG.md
index 810d63908..f4aa81b4a 100644
--- a/packages/ai/CHANGELOG.md
+++ b/packages/ai/CHANGELOG.md
@@ -5,6 +5,7 @@
 ### Fixed
 
 - Automatically invalidate and rotate OAuth credentials when an "invalidated oauth token" error occurs
+- Classified HTTP 402 and `balance exhausted` quota responses as persistent usage limits, rotating multi-account requests to a sibling credential.
 
 ## [17.0.1] - 2026-07-16
 
diff --git a/packages/ai/test/rate-limit-utils.test.ts b/packages/ai/test/rate-limit-utils.test.ts
index 85fa7a97c..51aad5121 100644
--- a/packages/ai/test/rate-limit-utils.test.ts
+++ b/packages/ai/test/rate-limit-utils.test.ts
@@ -246,6 +246,7 @@ describe("isUsageLimitOutcome", () => {
 		expect(isUsageLimitOutcome(402, undefined)).toBe(true);
 		expect(isUsageLimitOutcome(402, "HTTP 402")).toBe(true);
 		expect(isUsageLimitOutcome(402, "A subscription is required for this endpoint")).toBe(false);
+		expect(isUsageLimit(new ProviderHttpError("HTTP 402", 402))).toBe(true);
 	});
 
 	it("does not rotate on auth/invalid-request statuses with unrelated bodies", () => {