By default, no credit limit is applied to users, and they can draw freely from the Shared pool. Their credit access is set to "Unlimited" by default. Admins can then set per-user credit limits to control usage. A credit limit is a ceiling, not a reservation: it caps how much a user can draw but does not set aside credits for them. If the Shared pool is empty, a user cannot spend credits, even if they have not yet reached their personal credit limit.
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