diff --git a/packages/opencode/src/commands.ts b/packages/opencode/src/commands.ts
index d742aff..1c84140 100644
--- a/packages/opencode/src/commands.ts
+++ b/packages/opencode/src/commands.ts
@@ -1241,7 +1241,6 @@ async function buildResetPreviewRow(
     const precondition = evaluateResetPrecondition(
       quota,
       ctx.quotaManager.isRateLimited(accountKey),
-      applicableAvailableCount,
       ctx.now(),
     )
     let reason: string | undefined
@@ -1313,11 +1312,17 @@ function renderResetConfirm(row: ResetPreviewRow): string {
     '',
     `Account: **${row.label}** (\`${row.accountKey}\`)`,
     `Current quota: **${row.usedPercent ?? 'unknown'}% used**`,
-    `Credit: **Spend 1 of ${row.applicableAvailableCount ?? 0}**`,
+    `Credit: **Spend 1 of ${row.availableCount ?? 0}**`,
     `Credit expires: **${row.selectedCreditExpiresAt ?? 'unavailable'}**`,
     `Quota resets: **${row.resetTime ?? 'unavailable'}**`,
     '',
   ]
+  if ((row.availableCount ?? 0) > 0 && row.applicableAvailableCount === 0) {
+    lines.push(
+      'The server does not currently count this credit as applicable; redemption may return a no-op, and a no-op does not spend the credit.',
+    )
+    lines.push('')
+  }
   if (row.eligible && row.chatgptAccountId) {
     lines.push(
       `Confirm: \`/openai-reset confirm ${encodeURIComponent(row.accountKey)} ${encodeURIComponent(row.chatgptAccountId)}\``,
@@ -1360,8 +1365,6 @@ function resetErrorPayload(
         'There is no active reset redemption to retry. Reopen the account list.',
       not_exhausted:
         'No credit was spent: the fresh account state is not exhausted.',
-      no_applicable_credits:
-        'No credit was spent: no applicable credits are available.',
       no_eligible_credit:
         'No credit was spent: no eligible credit was returned.',
     }
diff --git a/packages/opencode/src/core/reset-credits.ts b/packages/opencode/src/core/reset-credits.ts
index 5365e32..4de92dc 100644
--- a/packages/opencode/src/core/reset-credits.ts
+++ b/packages/opencode/src/core/reset-credits.ts
@@ -54,7 +54,7 @@ export type ResetPrecondition =
   | { ok: true }
   | {
       ok: false
-      reason: 'not exhausted' | 'no applicable credits'
+      reason: 'not exhausted'
     }
 
 export interface ResetStateDeps {
@@ -92,7 +92,6 @@ export type ResetRedemptionErrorKind =
   | 'expired_unreconciled'
   | 'retry_without_inflight'
   | 'not_exhausted'
-  | 'no_applicable_credits'
   | 'no_eligible_credit'
 
 export class ResetRedemptionError extends Error {
@@ -464,7 +463,6 @@ export function resetWindowIsExhausted(
 export function evaluateResetPrecondition(
   quota: OAuthQuotaSnapshot,
   hasActiveRateLimitMark: boolean,
-  applicableAvailableCount: number,
   now: number,
 ): ResetPrecondition {
   const exhausted =
@@ -472,9 +470,6 @@ export function evaluateResetPrecondition(
     resetWindowIsExhausted(quota.primary, now) ||
     resetWindowIsExhausted(quota.secondary, now)
   if (!exhausted) return { ok: false, reason: 'not exhausted' }
-  if (applicableAvailableCount <= 0) {
-    return { ok: false, reason: 'no applicable credits' }
-  }
   return { ok: true }
 }
 
@@ -742,16 +737,10 @@ export async function runResetCreditRedemption(
     const precondition = evaluateResetPrecondition(
       quota,
       deps.hasActiveRateLimitMark(input.accountKey),
-      quota.resetCreditsApplicable ?? 0,
       deps.now(),
     )
     if (!precondition.ok) {
-      throw new ResetRedemptionError(
-        precondition.reason === 'not exhausted'
-          ? 'not_exhausted'
-          : 'no_applicable_credits',
-        precondition.reason,
-      )
+      throw new ResetRedemptionError('not_exhausted', precondition.reason)
     }
     if (!selectCreditToSpend(credits.credits)) {
       throw new ResetRedemptionError(
diff --git a/packages/opencode/src/tests/command-dialogs.test.ts b/packages/opencode/src/tests/command-dialogs.test.ts
index 7892f8a..b2c756d 100644
--- a/packages/opencode/src/tests/command-dialogs.test.ts
+++ b/packages/opencode/src/tests/command-dialogs.test.ts
@@ -265,8 +265,9 @@ describe('command dialogs', () => {
             usedPercent: 100,
             availableCount: 4,
             applicableAvailableCount: 0,
-            eligible: false,
-            reason: 'no applicable credits',
+            eligible: true,
+            selectedCreditId: 'credit-3',
+            selectedCreditExpiresAt: '2026-08-03T00:00:00.000Z',
           },
         ],
       },
@@ -292,7 +293,8 @@ describe('command dialogs', () => {
           label: 'Fallback A',
           chatgptAccountId: 'chatgpt/fallback a',
           usedPercent: 100,
-          applicableAvailableCount: 2,
+          availableCount: 2,
+          applicableAvailableCount: 0,
           eligible: true,
           selectedCreditExpiresAt: '2026-08-01T00:00:00.000Z',
           resetTime: '2026-07-18T00:00:00.000Z',
@@ -547,8 +549,8 @@ describe('command dialogs', () => {
     expect(
       options.find((option) => option.value === 'account:no-credits'),
     ).toMatchObject({
-      title: 'No credits — no applicable credits',
-      description: '100% · 0/4',
+      title: 'No credits — eligible',
+      description: '100% · 0/4 · exp 2026-08-03',
     })
   })
 
@@ -576,9 +578,7 @@ describe('command dialogs', () => {
     ).not.toBe(true)
     expect(
       options.find((option) => option.value === 'account:no-credits'),
-    ).toMatchObject({
-      title: expect.stringContaining('no applicable credits'),
-    })
+    ).toMatchObject({ title: expect.stringContaining('eligible') })
     expect(
       options.find((option) => option.value === 'account:no-credits')?.disabled,
     ).not.toBe(true)
diff --git a/packages/opencode/src/tests/commands.test.ts b/packages/opencode/src/tests/commands.test.ts
index f5630fe..a69089f 100644
--- a/packages/opencode/src/tests/commands.test.ts
+++ b/packages/opencode/src/tests/commands.test.ts
@@ -154,7 +154,7 @@ function resetCreditResponse(
   accountId: string,
   fixture: ResetWireFixture,
 ): Response {
-  const count = fixture.applicableCount[accountId] ?? 0
+  const count = fixture.availableCount[accountId] ?? 0
   const credits = Array.from({ length: count }, (_, index) => ({
     id: `credit-${accountId}-${index + 1}`,
     status: 'available',
@@ -2362,12 +2362,12 @@ describe('commands', () => {
       })
       expect(rows.find((row) => row.accountKey === 'no-credits')).toMatchObject(
         {
-          eligible: false,
-          reason: 'no applicable credits',
+          reason: undefined,
+          eligible: true,
         },
       )
       expect(payload.text).toContain('not exhausted')
-      expect(payload.text).toContain('no applicable credits')
+      expect(payload.text).toContain('eligible')
     })
 
     test('exhausted main preview is eligible when usage reports three applicable credits', async () => {
@@ -2392,6 +2392,29 @@ describe('commands', () => {
       )
     })
 
+    test('exhausted preview remains eligible when the server reports no applicable credits', async () => {
+      await saveResetAccounts([])
+      const fixture = resetFixture({
+        usedPercent: { 'chatgpt-main': 100 },
+        applicableCount: { 'chatgpt-main': 0 },
+        availableCount: { 'chatgpt-main': 1 },
+      })
+      const { ctx } = await makeResetCommandHarness(configPath, now, fixture)
+
+      const payload = await buildDialogPayload('openai-reset', '', ctx)
+      const rows = payload.knobs.accounts as Array<Record<string, unknown>>
+
+      expect(rows).toContainEqual(
+        expect.objectContaining({
+          accountKey: 'main',
+          availableCount: 1,
+          applicableAvailableCount: 0,
+          eligible: true,
+          selectedCreditId: 'credit-chatgpt-main-1',
+        }),
+      )
+    })
+
     test('account preview keeps per-account failures visible and requires a stable identity for action', async () => {
       await saveResetAccounts([
         makeAccount('broken', {
@@ -2462,13 +2485,41 @@ describe('commands', () => {
       })
       expect(payload.text).toContain('Encoded fallback')
       expect(payload.text).toContain('100%')
-      expect(payload.text).toContain('Spend 1 of 2')
+      expect(payload.text).toContain('Spend 1 of 4')
       expect(payload.text).toContain('2026-08-01T00:00:00.000Z')
       expect(payload.text).toContain('2026-07-18T00:00:00.000Z')
       expect(JSON.stringify(payload.knobs)).not.toContain('fallback/a b-token')
       expect(JSON.stringify(payload.knobs)).not.toContain('access')
     })
 
+    test('confirmation discloses when the server excludes an otherwise available credit', async () => {
+      await saveResetAccounts([])
+      const fixture = resetFixture({
+        usedPercent: { 'chatgpt-main': 100 },
+        applicableCount: { 'chatgpt-main': 0 },
+        availableCount: { 'chatgpt-main': 1 },
+      })
+      const { ctx } = await makeResetCommandHarness(configPath, now, fixture)
+
+      const disclosed = await buildDialogPayload(
+        'openai-reset',
+        'select main',
+        ctx,
+      )
+      const disclosure =
+        'The server does not currently count this credit as applicable; redemption may return a no-op, and a no-op does not spend the credit.'
+      expect(disclosed.text).toContain(disclosure)
+      expect(disclosed.text).toContain('Spend 1 of 1')
+
+      fixture.applicableCount['chatgpt-main'] = 1
+      const undisclosed = await buildDialogPayload(
+        'openai-reset',
+        'select main',
+        ctx,
+      )
+      expect(undisclosed.text).not.toContain(disclosure)
+    })
+
     test('select returns an informational result instead of confirmation for an ineligible account', async () => {
       await saveResetAccounts()
       const fixture = resetFixture({
diff --git a/packages/opencode/src/tests/reset-credits.test.ts b/packages/opencode/src/tests/reset-credits.test.ts
index 4674d58..180f5f2 100644
--- a/packages/opencode/src/tests/reset-credits.test.ts
+++ b/packages/opencode/src/tests/reset-credits.test.ts
@@ -448,20 +448,20 @@ describe('reset redemption precondition', () => {
 
   it('accepts an exhausted live window with an applicable credit', () => {
     expect(
-      evaluateResetPrecondition({ primary: quotaWindow(100) }, false, 1, now),
+      evaluateResetPrecondition({ primary: quotaWindow(100) }, false, now),
     ).toEqual({ ok: true })
   })
 
   it('refuses healthy quota', () => {
     expect(
-      evaluateResetPrecondition({ primary: quotaWindow(20) }, false, 1, now),
+      evaluateResetPrecondition({ primary: quotaWindow(20) }, false, now),
     ).toEqual({ ok: false, reason: 'not exhausted' })
   })
 
-  it('refuses exhausted quota without applicable credits', () => {
+  it('accepts exhausted quota when the server reports no applicable credits', () => {
     expect(
-      evaluateResetPrecondition({ primary: quotaWindow(100) }, false, 0, now),
-    ).toEqual({ ok: false, reason: 'no applicable credits' })
+      evaluateResetPrecondition({ primary: quotaWindow(100) }, false, now),
+    ).toEqual({ ok: true })
   })
 
   it('treats a 100%-used expired window as stale rather than exhausted', () => {
@@ -471,7 +471,6 @@ describe('reset redemption precondition', () => {
           primary: quotaWindow(100, '2026-07-17T11:59:59.999Z'),
         },
         false,
-        1,
         now,
       ),
     ).toEqual({ ok: false, reason: 'not exhausted' })
@@ -485,7 +484,6 @@ describe('reset redemption precondition', () => {
           secondary: quotaWindow(100),
         },
         false,
-        1,
         now,
       ),
     ).toEqual({ ok: true })
@@ -499,7 +497,6 @@ describe('reset redemption precondition', () => {
           secondary: quotaWindow(100, '2026-07-17T11:59:59.999Z'),
         },
         false,
-        1,
         now,
       ),
     ).toEqual({ ok: false, reason: 'not exhausted' })
@@ -510,7 +507,6 @@ describe('reset redemption precondition', () => {
       evaluateResetPrecondition(
         { primary: quotaWindow(100, undefined) },
         false,
-        1,
         now,
       ),
     ).toEqual({ ok: true })
@@ -518,18 +514,13 @@ describe('reset redemption precondition', () => {
       evaluateResetPrecondition(
         { primary: quotaWindow(100, 'not-a-date') },
         false,
-        1,
         now,
       ),
     ).toEqual({ ok: true })
   })
 
   it('lets a live rate-limit mark satisfy only exhaustion', () => {
-    expect(evaluateResetPrecondition({}, true, 1, now)).toEqual({ ok: true })
-    expect(evaluateResetPrecondition({}, true, 0, now)).toEqual({
-      ok: false,
-      reason: 'no applicable credits',
-    })
+    expect(evaluateResetPrecondition({}, true, now)).toEqual({ ok: true })
   })
 })
 
diff --git a/packages/opencode/src/tui/command-dialogs.tsx b/packages/opencode/src/tui/command-dialogs.tsx
index 88d6a32..06b2276 100644
--- a/packages/opencode/src/tui/command-dialogs.tsx
+++ b/packages/opencode/src/tui/command-dialogs.tsx
@@ -278,12 +278,12 @@ function openResetDialog(
       const preview = state.knobs.preview as ResetPreviewKnob | undefined
       const accountKey = preview?.accountKey
       const chatgptAccountId = preview?.chatgptAccountId
-      const applicableCount = preview?.applicableAvailableCount ?? 0
+      const availableCount = preview?.availableCount ?? 0
       const DialogConfirm = api.ui.DialogConfirm
       api.ui.dialog.replace(() => (
         <DialogConfirm
           title='Reset quota window'
-          message={`${state.text}\n\nThis SPENDS 1 of ${applicableCount} reset credits — irreversible.\n\nChoose Reset to continue or Cancel to return.\n\nEnter = Cancel (host default). Press Tab then Enter to Reset.`}
+          message={`${state.text}\n\nThis SPENDS 1 of ${availableCount} reset credits — irreversible.\n\nChoose Reset to continue or Cancel to return.\n\nEnter = Cancel (host default). Press Tab then Enter to Reset.`}
           onConfirm={() => {
             if (!accountKey || !chatgptAccountId) return
             applyAndRender(