429 on a paid personal account

Hi, I have paid 20 dollars to upgrade my open-ai account. In the usage section, it shows that I have 5 dollars usage limit and I did not use any of it. However, when I try to use API or playground, it says that I have reached my usage limit. I am not in any organization. How can I use these tools?

The API and ChatGPT are different products. If you want to use the API, you need to load funds to the account.

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