You can switch to consumption-based usage and bypass this all together but it can be expensive. I run an enterprise account and my biggest users spend ~2,000 a month on claude code (not sdk or api). I tried to switch them to subscription based at $250 and they got rate limited on the first/second day of usage like you described. I considered trying to have them default to subscription and then switch to consumption when they get rate limited, but I didn't want to burden them with that yet.
However for many of our users that are CC users they actually don't hit the $250 number most months so its actually cheaper to use consumption in many use cases surprisingly.
However for many of our users that are CC users they actually don't hit the $250 number most months so its actually cheaper to use consumption in many use cases surprisingly.