I don’t have this issue.
I also have not just recently activated my account and made my first payment, which was who was affected by payment system issues earlier today, which apparently still needs attention.
What is peculiar is that the moderations API should be without cost and doesn’t consume credits. If a completions endpoint works for you, yet moderations gives a “please check your plan and billing details”, that certainly seems like some part of your recent credit purchase still has not taken effect or been repaired across all systems.
There’s a few things you can do (short of paying in another $5) to see if you can get a clear account status:
- in the account “limits” page there are monthly limits. Glitches before this one were occasionally cleared by altering those values.
- you can generate a new API key and see that it works in both code for chatcompletions and then moderations.
- visit the billing settings and see that your personal preferences are filled out and re-save.
If using Python, and you’ve placed your OPENAI_API_KEY as an environment variable, the last code box in this post will give you a bit of immediate feedback to know it’s not your method: