core: allow users with credits but no payment method to access zen mode

packages/console/app/src/routes/zen/util/handler.ts

@@ -762,7 +762,7 @@ export async function handler(
     const billing = authInfo.billing
     const billingUrl = `https://opencode.ai/workspace/${authInfo.workspaceID}/billing`
     const membersUrl = `https://opencode.ai/workspace/${authInfo.workspaceID}/members`
-    if (!billing.paymentMethodID) throw new CreditsError(t("zen.api.error.noPaymentMethod", { billingUrl }))
+    if (!billing.paymentMethodID && billing.balance <= 0) throw new CreditsError(t("zen.api.error.noPaymentMethod", { billingUrl }))
     if (billing.balance <= 0) throw new CreditsError(t("zen.api.error.insufficientBalance", { billingUrl }))
 
     const now = new Date()