"You exceeded your current quota" what am I missing?

[ustrucx]

Hi folks, I always get "You exceeded your current quota", do I need a paid OpenAI sub to use the plugin? Thanks!

[ustrucx]

Me: If I want to use the ChatGPT API do I need to add billing information?
ChatGPT: Yes, in order to use the ChatGPT API, you typically need to provide billing information.