Third-party models in Cursor, like Claude or GPT, aren't in the plan, so they use prepaid credit from the first use. Past 100% of your plan, use goes on credit.
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Last updated Oct 12, 2026
Asked on X: https://x.com/skyburxd/status/2109782415929720913
Third-party models in Cursor, like Claude or GPT, aren't in the plan, so they use prepaid credit from the first use. The docs say: "Third-party models in Cursor aren't included in your plan. They're paid from prepaid credit from the first use."
Past 100% of your plan, use goes on credit until it runs out or your monthly cap is hit. The docs say: "When you reach your spending cap, paid extra usage pauses until the next month or until you raise the cap, even if money remains in your prepaid credit."
xAI docs, Spending caps: https://docs.x.ai/x-subscription/spending-caps
prepaid credit that third-party models in Cursor draw from first use
xAI docs, Prepaid balance: https://docs.x.ai/x-subscription/prepaid-balance
Third-party models in Cursor, like Claude or GPT, aren’t included in your plan and are billed against your prepaid credit
When you reach your spending cap, paid extra usage pauses until the next month or until you raise the cap, even if money remains in your prepaid credit.
xAI docs, Extra usage: https://docs.x.ai/x-subscription/extra-usage
Third-party models in Cursor aren't included in your plan. They're paid from prepaid credit from the first use.
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