diff --git a/CHANGELOG.md b/CHANGELOG.md
index 3a90c99d..96c40716 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -291,6 +291,11 @@ breaking changes may land in a minor release.
 
 ### Fixed
 
+- **Seed the Claude Code credit-exhaustion sentence (`You're out of usage credit[s] …`) as an
+  env-fault pattern in the `claude` profile (#610).** Captured verbatim from two unattended
+  color-dev-loop runs on 2026-09-07; without this pattern, a credit-exhausted session idled
+  through the stall-nudge cap and charged a dev attempt instead of pausing for the operator.
+
 - **The TUI's re-arm declines a contended run instead of waiting for it.** The
   gesture runs on Textual's message loop, so taking the run's state lock blocking
   froze the whole dashboard for as long as a rival held it — unbounded on POSIX,
diff --git a/src/bmad_loop/data/profiles/claude.toml b/src/bmad_loop/data/profiles/claude.toml
index 8f522988..5ce8e5ab 100644
--- a/src/bmad_loop/data/profiles/claude.toml
+++ b/src/bmad_loop/data/profiles/claude.toml
@@ -47,16 +47,25 @@ seed_files = [
 # configuration as a provider outage (#507). Pinned by
 # test_shipped_patterns_do_not_match_their_own_profile_line.
 #
-# No usage-limit / quota cause is seeded: no captured Claude Code quota line
-# exists, and on a pane capture that vocabulary is what a story IMPLEMENTING
-# rate limiting prints all day. Seed one only from a captured line, citing the
-# run it came from — the bar test_unseeded_profiles_stay_inert states.
+# A subscription credit-exhaustion refusal is now seeded (#610), captured
+# verbatim from the Claude Code CLI across two unattended color-dev-loop runs on
+# 2026-09-07 (skills-library and prompts-hub); four sessions idled through the
+# stall-nudge cap because nothing matched before this pattern existed — see
+# #610's evidence comment. The captured sentence:
+#   You're out of usage credit[s]. Run /usage-credits to keep using Fable 5.1
+#   or /model to switch models.
+# It is an environment fault, not a dev fault, because the CLI never reaches
+# the API at all — pausing the run without burning a dev attempt is the #194
+# contract. The session-limit sibling ("You've hit your session limit ·
+# resets ...") is a separate, time-boxed cause and stays unseeded until it is
+# captured cleanly enough to pattern on its own.
 #
 # To disable or extend, copy this profile into .bmad-loop/profiles/ and edit.
 env_fault_patterns = [
   "API Error: Unable to connect t[o] API",
   "API Error: Connection closed mid-respons[e]",
   "API Error: (5[2]9 Overloaded|5[0]0 Internal server error)",
+  "You're out of usage credit[s]",
 ]
 
 # Force Claude Code's classic (inline/scrollback) renderer. The fullscreen TUI
diff --git a/tests/test_env_fault_patterns.py b/tests/test_env_fault_patterns.py
index b5c9861f..2c8da642 100644
--- a/tests/test_env_fault_patterns.py
+++ b/tests/test_env_fault_patterns.py
@@ -92,15 +92,18 @@
 #
 # Provenance, since a pattern here may only be seeded from a captured line: the
 # first two were captured in issue #194, run `20260718-191419-44e7`, on the
-# `claude` adapter. The last three come from Claude Code's own JSONL transcripts,
-# from entries structurally tagged `"isApiErrorMessage": true`.
+# `claude` adapter. The next three come from Claude Code's own JSONL transcripts,
+# from entries structurally tagged `"isApiErrorMessage": true`. The last is the
+# credit-exhaustion sentence captured in issue #610: two unattended
+# color-dev-loop runs on 2026-09-07 (skills-library run `20260907-084618-824f`,
+# prompts-hub run `20260907-090132-98e3`) — four sessions idled through the
+# stall-nudge cap because nothing matched before this pattern existed.
 #
-# The quota class is still ABSENT, and deliberately so: no captured Claude Code
-# usage-limit line exists — not in this repo, not in #194/#323/#507, not in the
-# local transcripts. Seeding one needs a captured line with its run cited, the
-# bar test_unseeded_profiles_stay_inert states; a plausible-looking string is
-# exactly what that bar refuses. So an Anthropic plan's usage limit is still
-# unclassified on this adapter — a real, deliberately-left gap (#323).
+# One quota class is still ABSENT: the session-limit sibling ("You've hit your
+# session limit · resets ...") from the same #610 evidence. It is a distinct,
+# time-boxed cause rather than a money gate, and stays unseeded until it too is
+# captured cleanly enough to pattern on its own — a plausible-looking string is
+# exactly what test_unseeded_profiles_stay_inert's bar refuses.
 CLAUDE_REAL = [
     "API Error: Unable to connect to API (ConnectionRefused)",
     "API Error: Unable to connect to API: Self-signed certificate detected. "
@@ -110,6 +113,8 @@
     "in a moment. If it persists, check https://status.claude.com.",
     "API Error: 500 Internal server error. This is a server-side issue, usually temporary — "
     "try again in a moment. If it persists, check https://status.claude.com.",
+    "You're out of usage credits. Run /usage-credits to keep using Fable 5.1 or /model to "
+    "switch models.",
 ]
 
 # Every profile with patterns, paired with the lines its own CLI actually emits.
@@ -230,6 +235,12 @@
     "docs: explain the quota model and the 429 response contract",
     "INFO cleanup prune=7.days",
     "timestamp=2026-07-26T15:45:39.732Z level=INFO message=stream providerID=zai-coding-plan",
+    # Near-misses for the #610 credit-exhaustion anchor: ordinary assistant/AC
+    # lines about running out of usage credits, none of which carry the CLI's
+    # own "You're out of usage credit" framing contiguously.
+    "- [ ] AC-3: show a banner when the user is out of usage credits",
+    "PASS tests/test_credits.py::test_out_of_usage_credits_banner",
+    "docs: implement the /usage-credits banner copy for AC-2",
     # A story's own passing test whose NAME mentions the very error class the
     # anchors key on — the nastiest realistic collision.
     "PASS tests/test_api_error_handling.py::test_rate_limit_error_is_retried",