Why Am I Receiving a RateLimitError from the OpenAI API Without Exceeding Usage?

I'm building a chatbot using the OpenAI API, but I get a RateLimitError right away—even though I haven't used any tokens yet. Below is the code I'm using:

PYTHONCopied
import openai

openai.api_key = "[key]"
response = openai.ChatCompletion.create(
  model="gpt-3.5-turbo", 
  messages=[
        {"role": "system", "content": "You are a helpful assistant."},
        {"role": "user", "content": "Tell me a joke."}
    ]
)

print(response.choices[0].message.content)

The error message indicates that I've exceeded my current quota, suggesting that I need to upgrade my plan, even though my account still shows the default, unused quota. Here is the full error log:

BASHCopied
/usr/local/bin/python3 /Users/[]/Coding/chatgpt_api_test.py
[] ~ % /usr/local/bin/python3 /Users/[]/Coding/chatgpt_api_test.py
Traceback (most recent call last):
  File "/Users/[]/Coding/chatgpt_api_test.py", line 4, in <module>
    response = openai.ChatCompletion.create(
               ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
  File "/Library/Frameworks/Python.framework/Versions/3.12/lib/python3.12/site-packages/openai/api_resources/chat_completion.py", line 25, in create
    return super().create(*args, **kwargs)
           ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
  File "/Library/Frameworks/Python.framework/Versions/3.12/lib/python3.12/site-packages/openai/api_resources/abstract/engine_api_resource.py", line 153, in create
    response, _, api_key = requestor.request(
                           ^^^^^^^^^^^^^^^^^^
  File "/Library/Frameworks/Python.framework/Versions/3.12/lib/python3.12/site-packages/openai/api_requestor.py", line 298, in request
    resp, got_stream = self._interpret_response(result, stream)
                       ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
  File "/Library/Frameworks/Python.framework/Versions/3.12/lib/python3.12/site-packages/openai/api_requestor.py", line 700, in _interpret_response
    self._interpret_response_line(
  File "/Library/Frameworks/Python.framework/Versions/3.12/lib/python3.12/site-packages/openai/api_requestor.py", line 765, in _interpret_response_line
    raise self.handle_error_response(
openai.error.RateLimitError: You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs: https://platform.openai.com/docs/guides/error-codes/api-errors.

I've already verified my OpenAI billing credentials, and even generating a new API key doesn't resolve the issue. Is this error due to a bug in my code, a version issue with the OpenAI library, account configuration, or something else?