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Cursor users face surprise API overage charges

A user on Reddit reported unexpectedly high billing charges from the AI coding assistant Cursor, amounting to $187 in overages on top of their $20 monthly subscription. This occurred because Cursor defaulted to using the user's personal OpenAI API key after exceeding fast request limits, leading to significant, unnoticed costs. The user found that routing requests through a custom API endpoint, even with the same models like GPT-5.5 and Opus 4.8, drastically reduced their monthly API expenses to around $15. AI

IMPACT Highlights potential hidden costs for users of AI-powered coding assistants that leverage personal API keys.

RANK_REASON User-reported issue with a specific AI-powered tool.

Read on r/cursor →

AI-generated summary · Google Gemini · from 1 sources. How we write summaries →

COVERAGE [1]

  1. r/cursor TIER_2 English(EN) · /u/Awkward-Painting-817 ·

    PSA: Check your Cursor overage charges. Here's what I found.

    <!-- SC_OFF --><div class="md"><p>Heads up for anyone using Cursor with the agent mode heavily — check your billing tab.</p> <p>I was paying $20/month for Pro and thought I was set. Then I got a $187 overage bill. Turns out Cursor falls back to your own API key when you exceed fa…