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OpenAI answers an exhausted balance with 429, the same status as a rate limit, but the two are not alike: a rate limit reopens and a spent account does not. Both were classified transient, so every document burned its full retry budget against a key that could never accept it, and because the sweep re-queues failed documents on every sync the account turned into permanent load rather than a one-off failure. A connector sync ran the full hour and timed out doing this. The rejection body is what separates them — insufficient_quota, or a credit_balance_exhausted code — so it is read when the error is built and the retries stop immediately. Retrying and failing over are decided separately here. An exhausted balance rules out the key just used but says nothing about the next provider in the chain, so the error stays eligible for failover and only the retries against the spent key are dropped.