Insuffcient Quota Error for ChatGPT 5 (despite being nowhere near limit)

Describe the problem/error/question

Hello! So I have an error with adding my ChatGPT to my agent; it says that I’m out of my quota even though I have a plus account and am no where near reaching it.I followed the advice on another part of the forum where someone else had posted about the issue in Jan/Feb (i.e I put in a new API key) but its still not working and in fact it almost looks like it fully freezes when I try to input anything in the chat. I’m a total newbie here - really just working myself some of the n8n tutorials so this is a very basic set up, but not sure how to navigate this and would appreciate any help I can get. If anyone has other ideas besides a new API key, I’m all ears!

What is the error message (if any)?

Insufficient quota detected. Learn more about resolving this issue

Please share your workflow

{
“nodes”: [
{
“parameters”: {
“options”: {}
},
“type”: “@n8n/n8n-nodes-langchain.chatTrigger”,
“typeVersion”: 1.3,
“position”: [
0,
0
],
“id”: “20b596ad-f4bf-464c-bf4f-6279deebcf22”,
“name”: “When chat message received”,
“webhookId”: “1e6acf31-6f0b-4406-b225-9a01513053c5”
},
{
“parameters”: {
“options”: {}
},
“type”: “@n8n/n8n-nodes-langchain.agent”,
“typeVersion”: 2.2,
“position”: [
208,
0
],
“id”: “a50e4244-8283-4f27-a201-052198029673”,
“name”: “AI Agent”
},
{
“parameters”: {
“model”: {
“__rl”: true,
“mode”: “list”,
“value”: “gpt-4.1-mini”
},
“options”: {}
},
“type”: “@n8n/n8n-nodes-langchain.lmChatOpenAi”,
“typeVersion”: 1.2,
“position”: [
144,
176
],
“id”: “1fc638f5-3312-454f-b388-98bed986c2b3”,
“name”: “OpenAI Chat Model”,
“credentials”: {
“openAiApi”: {
“id”: “giKmQxBFcdFKlgF8”,
“name”: “OpenAi account 2”
}
}
}
],
“connections”: {
“When chat message received”: {
“main”: [
[
{
“node”: “AI Agent”,
“type”: “main”,
“index”: 0
}
]
]
},
“OpenAI Chat Model”: {
“ai_languageModel”: [
[
{
“node”: “AI Agent”,
“type”: “ai_languageModel”,
“index”: 0
}
]
]
}
},
“pinData”: {},
“meta”: {
“templateCredsSetupCompleted”: true,
“instanceId”: “600f966eed8cbbb162d76605da75455d0a4fea21a2492eec23ae07ce957a1e13”
}
}

(Select the nodes on your canvas and use the keyboard shortcuts CMD+C/CTRL+C and CMD+V/CTRL+V to copy and paste the workflow.)

Having a plus account doesn’t mean that you can use the API keys. You will have to add funds for that matter in your https://platform.openai.com/.

It wasn’t clear to me whether you have already done that or not. Perhaps that is the case?

ChatGPT API Quotas are different than the regular ChatGPT account. You should check this page to know your quota and usage https://platform.openai.com/settings/organization/usage