If you are unable to find your API key even after switching between organization and personal accounts, and yet the API key remains accessible, it would indeed be confusing.
If you are certain that you are managing your API key (and it has not been leaked), then it should not be misused or have its credits used without authorization.
Nevertheless, if the API key does not appear, it can be confusing because you cannot manage, disable, or view them.
In such cases, it would be more reliable to contact support for a solution rather than searching for one here.