diff --git a/website/docs/user-guide/features/credential-pools.md b/website/docs/user-guide/features/credential-pools.md
index 57bf3552b..807000570 100644
--- a/website/docs/user-guide/features/credential-pools.md
+++ b/website/docs/user-guide/features/credential-pools.md
@@ -22,8 +22,11 @@ Your request
   → Pick key from pool (round_robin / least_used / fill_first / random)
   → Send to provider
   → 429 rate limit?
-      → Retry same key once (transient blip)
-      → Second 429 → rotate to next pool key
+      → Plan/usage limit reached (e.g. ChatGPT/Codex "usage limit reached")?
+          → Rotate to next pool key immediately (no retry — the cap won't clear on retry)
+      → Generic / transient 429?
+          → Retry same key once (transient blip)
+          → Second 429 → rotate to next pool key
       → All keys exhausted → fallback_model (different provider)
   → 402 billing error?
       → Immediately rotate to next pool key (24h cooldown)
diff --git a/website/i18n/zh-Hans/docusaurus-plugin-content-docs/current/user-guide/features/credential-pools.md b/website/i18n/zh-Hans/docusaurus-plugin-content-docs/current/user-guide/features/credential-pools.md
index fe538fb9b..d232f4350 100644
--- a/website/i18n/zh-Hans/docusaurus-plugin-content-docs/current/user-guide/features/credential-pools.md
+++ b/website/i18n/zh-Hans/docusaurus-plugin-content-docs/current/user-guide/features/credential-pools.md
@@ -18,8 +18,11 @@ Your request
   → Pick key from pool (round_robin / least_used / fill_first / random)
   → Send to provider
   → 429 rate limit?
-      → Retry same key once (transient blip)
-      → Second 429 → rotate to next pool key
+      → Plan/usage limit reached (e.g. ChatGPT/Codex "usage limit reached")?
+          → Rotate to next pool key immediately (no retry — the cap won't clear on retry)
+      → Generic / transient 429?
+          → Retry same key once (transient blip)
+          → Second 429 → rotate to next pool key
       → All keys exhausted → fallback_model (different provider)
   → 402 billing error?
       → Immediately rotate to next pool key (24h cooldown)