diff --git a/packages/features/ee/billing/credit-service.test.ts b/packages/features/ee/billing/credit-service.test.ts
index b790ae39ab..957e531b6b 100644
--- a/packages/features/ee/billing/credit-service.test.ts
+++ b/packages/features/ee/billing/credit-service.test.ts
@@ -842,6 +842,60 @@ describe("CreditService", () => {
           creditType: CreditType.ADDITIONAL,
         });
       });
+
+      it("should fall back to user credits when team has limitReached", async () => {
+        vi.spyOn(CreditService.prototype, "_getTeamWithAvailableCredits").mockResolvedValue({
+          teamId: 1,
+          availableCredits: 0,
+          creditType: CreditType.ADDITIONAL,
+          limitReached: true,
+        });
+
+        vi.spyOn(CreditService.prototype, "_getAllCredits").mockResolvedValue({
+          totalMonthlyCredits: 0,
+          totalRemainingMonthlyCredits: 0,
+          additionalCredits: 50,
+        });
+
+        const result = await creditService.getUserOrTeamToCharge({
+          credits: 10,
+          userId: 1,
+        });
+
+        expect(result).toEqual({
+          userId: 1,
+          remainingCredits: 40,
+          creditType: CreditType.ADDITIONAL,
+        });
+      });
+
+      it("should return team when both team and user have no credits", async () => {
+        vi.spyOn(CreditService.prototype, "_getTeamWithAvailableCredits").mockResolvedValue({
+          teamId: 1,
+          availableCredits: 0,
+          creditType: CreditType.ADDITIONAL,
+          limitReached: true,
+        });
+
+        vi.spyOn(CreditService.prototype, "_getAllCredits").mockResolvedValue({
+          totalMonthlyCredits: 0,
+          totalRemainingMonthlyCredits: 0,
+          additionalCredits: 0,
+        });
+
+        const result = await creditService.getUserOrTeamToCharge({
+          credits: 10,
+          userId: 1,
+        });
+
+        expect(result).toEqual({
+          teamId: 1,
+          availableCredits: 0,
+          creditType: CreditType.ADDITIONAL,
+          limitReached: true,
+          remainingCredits: -10,
+        });
+      });
     });
 
     it("should skip unpublished platform organizations and return regular team with credits", async () => {
diff --git a/packages/features/ee/billing/credit-service.ts b/packages/features/ee/billing/credit-service.ts
index a01d0e94bc..75979f362a 100644
--- a/packages/features/ee/billing/credit-service.ts
+++ b/packages/features/ee/billing/credit-service.ts
@@ -1,5 +1,3 @@
-import type { TFunction } from "i18next";
-
 import dayjs from "@calcom/dayjs";
 import { CreditsRepository } from "@calcom/features/credits/repositories/CreditsRepository";
 import { TeamRepository } from "@calcom/features/ee/teams/repositories/TeamRepository";
@@ -7,9 +5,9 @@ import { MembershipRepository } from "@calcom/features/membership/repositories/M
 import { IS_SMS_CREDITS_ENABLED } from "@calcom/lib/constants";
 import getOrgIdFromMemberOrTeamId from "@calcom/lib/getOrgIdFromMemberOrTeamId";
 import logger from "@calcom/lib/logger";
-import { prisma, type PrismaTransaction } from "@calcom/prisma";
-import { CreditUsageType, CreditType } from "@calcom/prisma/enums";
-
+import { type PrismaTransaction, prisma } from "@calcom/prisma";
+import { CreditType, CreditUsageType } from "@calcom/prisma/enums";
+import type { TFunction } from "i18next";
 import { getBillingProviderService, getTeamBillingServiceFactory } from "./di/containers/Billing";
 import { SubscriptionStatus } from "./repository/billing/IBillingRepository";
 
@@ -317,7 +315,7 @@ export class CreditService {
   }
 
   /*
-    always returns a team, even if all teams are out of credits
+    always returns a team or user, even if out of credits
   */
   async getUserOrTeamToCharge({
     credits,
@@ -357,11 +355,27 @@ export class CreditService {
 
     if (userId) {
       const team = await this._getTeamWithAvailableCredits({ userId, tx });
-      if (team) {
+
+      const teamHasCredits = team && !team.limitReached;
+
+      if (teamHasCredits) {
         return { ...team, remainingCredits: team.availableCredits - credits };
       }
 
       const userCredits = await this._getAllCredits({ userId, tx });
+      const userHasCredits = userCredits.additionalCredits > 0;
+
+      if (userHasCredits) {
+        return {
+          userId,
+          remainingCredits: userCredits.additionalCredits - credits,
+          creditType: CreditType.ADDITIONAL,
+        };
+      }
+
+      if (team) {
+        return { ...team, remainingCredits: team.availableCredits - credits };
+      }
 
       return {
         userId,