I hit the limit and stopped, to my knowledge, using the CoPilot APIs. I switched to open code and DeepSeek which (seems? I'm not an expert in comparing these) cheaper.

Then I went back a couple days later and there was some random $0.xx charges every day from who knows what OpenAI GPT 5.5 calls even though it looked to me like I had my opencode model selected.

Definitely set your overage API to $0 if you are expecting $0 charges after your subscription runs out.