Vercel AI Gateway billing credits instead of Claude Max subscription pass-through in Claude Code

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Also, I just tried again with a balance of $0 in AI Gateway - doing the full logout, add variables to env, source, login workflow. I get

  ⎿  API Error: 402 {"error":{"message":"Insufficient funds. Please add credits to your account to continue using AI services. Visit
     https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to top up your credits.","type":"insufficient_funds"}}

In .zshrc:

export ANTHROPIC_BASE_URL="https://ai-gateway.vercel.sh"
export ANTHROPIC_CUSTOM_HEADERS="x-ai-gateway-api-key: Bearer [REDACTED :)]"