diff --git a/docs/readme/providers.md b/docs/readme/providers.md
index 97545eb6..207b04d3 100644
--- a/docs/readme/providers.md
+++ b/docs/readme/providers.md
@@ -279,7 +279,8 @@ Organization example (for an enterprise, use `"tier": "enterprise"`, add `"enter
 <details>
 <summary><strong>What Copilot reports</strong></summary>
 
-- **OpenCode login:** GitHub's undocumented internal `premium_interactions` snapshot, labeled **Copilot Premium Interactions** (not assumed to match public AI Credit billing). GitHub supplies the entitlement, remaining amount, optional percentage, unlimited state, and reset. Used = entitlement minus remaining; a percentage is calculated only when GitHub omits one. Token-based placeholder responses show the plan only.
+- **OpenCode login:** GitHub's undocumented internal `premium_interactions` snapshot, normally labeled **Copilot Premium Interactions** (not assumed to match public AI Credit billing). GitHub supplies the entitlement, remaining amount, optional percentage, unlimited state, and reset. For in-range snapshots, used is derived from entitlement minus remaining; a percentage is calculated only when GitHub omits one. Token-based placeholder responses show the plan only.
+- **Token-based billing over limit:** once token-based billing usage passes the entitlement, GitHub reports a negative remaining amount plus a GitHub-reported `credits_used` AI-credit usage total. OpenCode shows that reported total; if it is missing or invalid, usage falls back to entitlement minus remaining and is marked locally derived. The remaining percentage stays provider-reported and does not exceed 100% when over limit.
 - **Personal token:** GitHub's public billing report for the current UTC calendar month. It is usage only, for example `Used 100 | Included 80 | Billed 20 ($0.20)`, with no allowance, remaining percentage, or reset. A missing percentage is expected.
 - **Organization and enterprise tokens:** the same used/included/billed fields for that payer. If GitHub returns an additional-usage budget, it shows as a separate **Copilot Additional Usage** row comparing billed spend with that budget.
 
diff --git a/src/lib/copilot.ts b/src/lib/copilot.ts
index e5c7b321..96c254b3 100644
--- a/src/lib/copilot.ts
+++ b/src/lib/copilot.ts
@@ -192,6 +192,7 @@ interface CopilotInternalQuotaSnapshot {
   remaining?: number;
   quota_remaining?: number;
   percent_remaining?: number;
+  credits_used?: number;
   unlimited?: boolean;
 }
 
@@ -1237,8 +1238,9 @@ function parseCopilotInternalUser(
     reportedPercentRemaining !== undefined &&
     reportedPercentRemaining >= 0 &&
     reportedPercentRemaining <= 100;
+  const tokenBasedBilling = response.token_based_billing === true;
   const isPlaceholder =
-    response.token_based_billing === true &&
+    tokenBasedBilling &&
     (!snapshot ||
       (snapshot.unlimited !== true &&
         entitlement === 0 &&
@@ -1289,6 +1291,30 @@ function parseCopilotInternalUser(
       resetTimeIso,
     };
   }
+  // Token-based billing reports a negative remaining once usage goes over the
+  // entitlement, alongside a provider-reported clamp in [0, 100].
+  const creditsUsed = readFiniteNumber(snapshot?.credits_used);
+  const hasValidCreditsUsed = creditsUsed !== undefined && creditsUsed >= 0;
+  if (
+    tokenBasedBilling &&
+    entitlement !== undefined &&
+    entitlement > 0 &&
+    remaining !== undefined &&
+    remaining < 0 &&
+    hasReportedPercent
+  ) {
+    return {
+      success: true,
+      mode: "user_quota",
+      unit: hasValidCreditsUsed ? "ai_credits" : "premium_interactions",
+      used: hasValidCreditsUsed ? creditsUsed : entitlement - remaining,
+      authority: hasValidCreditsUsed ? "provider_reported" : "locally_derived",
+      total: entitlement,
+      percentRemaining: reportedPercentRemaining,
+      plan,
+      resetTimeIso,
+    };
+  }
   if (response.token_based_billing === true) {
     return {
       success: true,
diff --git a/tests/lib.copilot.test.ts b/tests/lib.copilot.test.ts
index 040174df..ebdcec7c 100644
--- a/tests/lib.copilot.test.ts
+++ b/tests/lib.copilot.test.ts
@@ -401,6 +401,157 @@ describe("GitHub Copilot AI Credit accounting", () => {
     });
   });
 
+  it("renders token-based over-limit AI credits as a quota row using the reported percentage", async () => {
+    authMocks.readAuthFile.mockResolvedValue({
+      "github-copilot": { type: "oauth", access: "oauth-token" },
+    });
+    // Representative of a Copilot Business token-billing response after the
+    // included pool is exhausted: entitlement 3000, quota_remaining -739.5,
+    // credits_used 3739, percent_remaining 0.
+    vi.stubGlobal(
+      "fetch",
+      vi.fn(async () =>
+        json(
+          copilotUser({
+            copilot_plan: "business",
+            quota_snapshots: {
+              premium_interactions: {
+                entitlement: 3000,
+                remaining: -740,
+                quota_remaining: -739.5,
+                percent_remaining: 0,
+                credits_used: 3739,
+                unlimited: false,
+              },
+            },
+          }),
+        ),
+      ) as any,
+    );
+
+    const { queryCopilotQuota, formatCopilotQuota } = await import("../src/lib/copilot.js");
+    const result = await queryCopilotQuota();
+    expect(result).toEqual({
+      success: true,
+      mode: "user_quota",
+      unit: "ai_credits",
+      used: 3739,
+      authority: "provider_reported",
+      total: 3000,
+      percentRemaining: 0,
+      plan: "business",
+      resetTimeIso: "2026-02-01T00:00:00.000Z",
+    });
+    expect(result && result.success ? formatCopilotQuota(result) : null).toBe(
+      "Copilot AI Credits 3739/3000",
+    );
+  });
+
+  it.each([
+    { credits_used: undefined },
+    { credits_used: -1 },
+    { credits_used: "3739" },
+  ])("falls back to derived over-limit premium interactions without a usable credits_used", async (snapshot) => {
+    authMocks.readAuthFile.mockResolvedValue({
+      "github-copilot": { type: "oauth", access: "oauth-token" },
+    });
+    vi.stubGlobal(
+      "fetch",
+      vi.fn(async () =>
+        json(
+          copilotUser({
+            copilot_plan: "business",
+            quota_snapshots: {
+              premium_interactions: {
+                entitlement: 3000,
+                remaining: -740,
+                quota_remaining: -739.5,
+                percent_remaining: 0,
+                unlimited: false,
+                ...snapshot,
+              },
+            },
+          }),
+        ),
+      ) as any,
+    );
+
+    const { queryCopilotQuota } = await import("../src/lib/copilot.js");
+    await expect(queryCopilotQuota()).resolves.toMatchObject({
+      success: true,
+      mode: "user_quota",
+      unit: "premium_interactions",
+      used: 3739.5,
+      authority: "locally_derived",
+      total: 3000,
+      percentRemaining: 0,
+    });
+  });
+
+  it.each([
+    {
+      tokenBasedBilling: false,
+      expected: "error" as const,
+      snapshot: {
+        entitlement: 3000,
+        remaining: -740,
+        quota_remaining: -739.5,
+        percent_remaining: 0,
+        unlimited: false,
+      },
+    },
+    {
+      tokenBasedBilling: true,
+      expected: "plan_only" as const,
+      snapshot: {
+        entitlement: 3000,
+        remaining: -740,
+        quota_remaining: -739.5,
+        percent_remaining: 140,
+        unlimited: false,
+      },
+    },
+    {
+      tokenBasedBilling: true,
+      expected: "plan_only" as const,
+      snapshot: {
+        entitlement: 3000,
+        remaining: -740,
+        quota_remaining: -739.5,
+        unlimited: false,
+      },
+    },
+  ])("does not trust a negative remaining without token billing or a valid reported percentage", async ({
+    tokenBasedBilling,
+    expected,
+    snapshot,
+  }) => {
+    authMocks.readAuthFile.mockResolvedValue({
+      "github-copilot": { type: "oauth", access: "oauth-token" },
+    });
+    vi.stubGlobal(
+      "fetch",
+      vi.fn(async () =>
+        json(
+          copilotUser({
+            token_based_billing: tokenBasedBilling,
+            quota_snapshots: { premium_interactions: snapshot },
+          }),
+        ),
+      ) as any,
+    );
+
+    const { queryCopilotQuota } = await import("../src/lib/copilot.js");
+    const result = await queryCopilotQuota();
+    if (expected === "error") {
+      expect(result && !result.success ? result.error : "").toContain(
+        "did not include a usable quota snapshot",
+      );
+    } else {
+      expect(result).toMatchObject({ success: true, mode: "user_plan" });
+    }
+  });
+
   it.each([
     "http://acme.ghe.com",
     "https://user@acme.ghe.com",
diff --git a/tests/providers.copilot.test.ts b/tests/providers.copilot.test.ts
index 48806632..54242324 100644
--- a/tests/providers.copilot.test.ts
+++ b/tests/providers.copilot.test.ts
@@ -120,6 +120,38 @@ describe("copilot provider", () => {
     });
   });
 
+  it("renders token-based over-limit AI credits as a quota row with a clamped percentage", async () => {
+    const { queryCopilotQuota } = await import("../src/lib/copilot.js");
+    (queryCopilotQuota as any).mockResolvedValueOnce({
+      success: true,
+      mode: "user_quota",
+      unit: "ai_credits",
+      used: 3739,
+      total: 3000,
+      percentRemaining: 0,
+      authority: "provider_reported",
+      plan: "business",
+      resetTimeIso: "2026-02-01T00:00:00.000Z",
+    });
+
+    const out = await copilotProvider.fetch({} as any);
+    expectAttemptedWithNoErrors(out);
+    expect(visibleEntries(out.entries, "copilot")).toEqual([
+      {
+        name: "Copilot AI Credits",
+        group: "Copilot (business)",
+        label: "Credits:",
+        right: "3,739/3,000",
+        percentRemaining: 0,
+        resetTimeIso: "2026-02-01T00:00:00.000Z",
+      },
+    ]);
+    expect(out.entries[0]?.accounting).toMatchObject({
+      resultType: "quota",
+      authority: "provider_reported",
+    });
+  });
+
   it("uses the OAuth GHE Copilot plan in the credential presentation without changing billing scope", async () => {
     const { getCopilotQuotaAuthDiagnostics, queryCopilotQuota } = await import(
       "../src/lib/copilot.js"