diff --git a/internal/registry/model_registry.go b/internal/registry/model_registry.go
index 6ef90f75b..6a34f7065 100644
--- a/internal/registry/model_registry.go
+++ b/internal/registry/model_registry.go
@@ -1299,17 +1299,23 @@ func modelRegistrationAvailability(registration *ModelRegistration, now time.Tim
 
 	cooldownSuspended := 0
 	otherSuspended := 0
+	quotaAndOtherSuspended := 0
 	if registration.SuspendedClients != nil {
-		for _, reason := range registration.SuspendedClients {
+		for clientID, reason := range registration.SuspendedClients {
 			if strings.EqualFold(reason, "quota") {
 				cooldownSuspended++
 				continue
 			}
 			otherSuspended++
+			if quotaTime := registration.QuotaExceededClients[clientID]; quotaTime != nil && now.Before(quotaTime.Add(modelQuotaExceededWindow)) {
+				quotaAndOtherSuspended++
+			}
 		}
 	}
 
-	effectiveClients := availableClients - expiredClients - otherSuspended
+	// A credential-wide quota can mark the same client both quota-exceeded and
+	// suspended. Count that unavailable client only once.
+	effectiveClients := availableClients - expiredClients - otherSuspended + quotaAndOtherSuspended
 	if effectiveClients < 0 {
 		effectiveClients = 0
 	}
@@ -1470,6 +1476,7 @@ func (r *ModelRegistry) GetAvailableModelsByProvider(provider string) []*ModelIn
 		expiredClients := 0
 		cooldownSuspended := 0
 		otherSuspended := 0
+		quotaAndOtherSuspended := 0
 		if ok && registration != nil {
 			if registration.QuotaExceededClients != nil {
 				for clientID, quotaTime := range registration.QuotaExceededClients {
@@ -1497,12 +1504,15 @@ func (r *ModelRegistry) GetAvailableModelsByProvider(provider string) []*ModelIn
 						continue
 					}
 					otherSuspended++
+					if quotaTime := registration.QuotaExceededClients[clientID]; quotaTime != nil && now.Before(quotaTime.Add(modelQuotaExceededWindow)) {
+						quotaAndOtherSuspended++
+					}
 				}
 			}
 		}
 
 		availableClients := entry.count
-		effectiveClients := availableClients - expiredClients - otherSuspended
+		effectiveClients := availableClients - expiredClients - otherSuspended + quotaAndOtherSuspended
 		if effectiveClients < 0 {
 			effectiveClients = 0
 		}
@@ -1542,8 +1552,11 @@ func (r *ModelRegistry) GetModelCount(modelID string) int {
 			}
 		}
 		suspendedClients := 0
-		if registration.SuspendedClients != nil {
-			suspendedClients = len(registration.SuspendedClients)
+		for clientID := range registration.SuspendedClients {
+			if quotaTime := registration.QuotaExceededClients[clientID]; quotaTime != nil && now.Before(quotaTime.Add(modelQuotaExceededWindow)) {
+				continue
+			}
+			suspendedClients++
 		}
 		result := registration.Count - expiredClients - suspendedClients
 		if result < 0 {
diff --git a/internal/registry/model_registry_credential_quota_regression_test.go b/internal/registry/model_registry_credential_quota_regression_test.go
new file mode 100644
index 000000000..a20d65fc2
--- /dev/null
+++ b/internal/registry/model_registry_credential_quota_regression_test.go
@@ -0,0 +1,43 @@
+package registry
+
+import "testing"
+
+func TestAvailableModelsKeepsHealthyProviderDuringCredentialQuota(t *testing.T) {
+	r := newTestModelRegistry()
+	model := &ModelInfo{ID: "gpt-5.6-luna", OwnedBy: "openai", Type: "openai"}
+	r.RegisterClient("healthy-api-provider", "codex", []*ModelInfo{model})
+	r.RegisterClient("exhausted-oauth-account", "codex", []*ModelInfo{model})
+	_, epoch := r.GetModelsAndEpochForClient("exhausted-oauth-account")
+	if !r.ApplyClientModelProjections("exhausted-oauth-account", epoch, 1, []ClientModelProjection{{
+		ModelID: model.ID, Suspended: true, SuspendReason: "credential_quota", QuotaExceeded: true,
+	}}) {
+		t.Fatal("failed to apply the observed OAuth quota state")
+	}
+	if got := r.GetAvailableModels("openai"); len(got) != 1 {
+		t.Errorf("/v1/models hid a model with a healthy API provider: got %v", got)
+	}
+	if got := r.GetAvailableModelsByProvider("codex"); len(got) != 1 {
+		t.Errorf("provider catalog hid a model with a healthy API provider: got %v", got)
+	}
+	if got := r.GetAvailableModelInfos(); len(got) != 1 {
+		t.Errorf("metadata catalog hid a model with a healthy API provider: got %v", got)
+	}
+	if got := r.GetModelCount(model.ID); got != 1 {
+		t.Errorf("healthy API provider count = %d, want 1", got)
+	}
+	_, epoch = r.GetModelsAndEpochForClient("healthy-api-provider")
+	if !r.ApplyClientModelProjections("healthy-api-provider", epoch, 1, []ClientModelProjection{{
+		ModelID: model.ID, Suspended: true, SuspendReason: "manual",
+	}}) {
+		t.Fatal("failed to suspend the second provider")
+	}
+	if got := r.GetAvailableModels("openai"); len(got) != 0 {
+		t.Errorf("catalog should hide a model after both providers become unavailable: %v", got)
+	}
+	if got := r.GetAvailableModelsByProvider("codex"); len(got) != 0 {
+		t.Errorf("provider catalog should hide a model after both providers become unavailable: %v", got)
+	}
+	if got := r.GetModelCount(model.ID); got != 0 {
+		t.Errorf("unavailable provider count = %d, want 0", got)
+	}
+}
diff --git a/internal/registry/model_registry_quota_refresh_regression_test.go b/internal/registry/model_registry_quota_refresh_regression_test.go
new file mode 100644
index 000000000..4d20c3029
--- /dev/null
+++ b/internal/registry/model_registry_quota_refresh_regression_test.go
@@ -0,0 +1,65 @@
+package registry
+
+import (
+	"testing"
+	"time"
+)
+
+// Healthy providers remain discoverable throughout quota windows and refreshes.
+func TestCredentialQuotaKeepsHealthyCatalogAcrossRefresh(t *testing.T) {
+	base := time.Date(2026, 9, 22, 8, 53, 19, 0, time.UTC)
+	registration := &ModelRegistration{
+		Count:                2,
+		QuotaExceededClients: map[string]*time.Time{"oauth": &base},
+		SuspendedClients:     map[string]string{"oauth": "credential_quota"},
+	}
+	for _, tc := range []struct {
+		offset time.Duration
+		want   bool
+	}{
+		{0, true}, {5*time.Minute - time.Nanosecond, true},
+		{5 * time.Minute, true}, {6 * time.Minute, true},
+	} {
+		available, _ := modelRegistrationAvailability(registration, base.Add(tc.offset))
+		t.Logf("since projection=%v listed=%v; OAuth suspension unchanged", tc.offset, available)
+		if available != tc.want {
+			t.Fatalf("at %v: listed=%v, want %v", tc.offset, available, tc.want)
+		}
+	}
+	// A registry refresh clears the old quota timestamp; reapplying an active
+	// cooldown starts the five-minute window again without another upstream 429.
+	r := newTestModelRegistry()
+	models := []*ModelInfo{{ID: "audit-luna", OwnedBy: "openai"}}
+	r.RegisterClient("healthy", "codex", models)
+	r.RegisterClient("oauth", "codex", models)
+	_, epoch := r.GetModelsAndEpochForClient("oauth")
+	projection := []ClientModelProjection{{ModelID: "audit-luna", Suspended: true, SuspendReason: "credential_quota", QuotaExceeded: true}}
+	if !r.ApplyClientModelProjections("oauth", epoch, 1, projection) {
+		t.Fatal("initial projection rejected")
+	}
+	if got := len(r.GetAvailableModels("openai")); got != 1 {
+		t.Fatalf("initial cached catalog size=%d, want 1", got)
+	}
+	cached := r.availableModelsCache["openai"]
+	if cached.expiresAt.IsZero() {
+		t.Fatal("quota-sensitive catalog has no automatic expiration")
+	}
+	old := time.Now().Add(-6 * time.Minute)
+	r.models["audit-luna"].QuotaExceededClients["oauth"] = &old
+	// Advance the observed timestamps instead of sleeping. Let the actual
+	// public listing path detect the expired cache without manual invalidation.
+	cached.expiresAt = time.Now().Add(-time.Second)
+	r.availableModelsCache["openai"] = cached
+	if got := len(r.GetAvailableModels("openai")); got != 1 {
+		t.Fatalf("after five-minute window: models=%d, want 1", got)
+	}
+	r.RegisterClient("oauth", "codex", models)
+	_, epoch = r.GetModelsAndEpochForClient("oauth")
+	if !r.ApplyClientModelProjections("oauth", epoch, 2, projection) {
+		t.Fatal("refreshed projection rejected")
+	}
+	if got := len(r.GetAvailableModels("openai")); got != 1 {
+		t.Fatalf("after refresh with unchanged OAuth cooldown: models=%d, want 1", got)
+	}
+	t.Log("healthy catalog stays visible before expiration, after expiration, and after re-registration")
+}
diff --git a/sdk/cliproxy/auth/catalog_credential_quota_regression_test.go b/sdk/cliproxy/auth/catalog_credential_quota_regression_test.go
new file mode 100644
index 000000000..20bfe358d
--- /dev/null
+++ b/sdk/cliproxy/auth/catalog_credential_quota_regression_test.go
@@ -0,0 +1,97 @@
+package auth
+
+import (
+	"context"
+	"net/http"
+	"testing"
+	"time"
+
+	"github.com/router-for-me/CLIProxyAPI/v7/internal/registry"
+)
+
+func TestCredentialQuotaKeepsHealthyCatalogAcrossRestart(t *testing.T) {
+	withQuotaCooldownEnabled(t)
+	ctx := context.Background()
+	m := NewManager(nil, nil, nil)
+	store := NewFileCooldownStateStore(t.TempDir())
+	m.SetCooldownStateStore(store)
+	r := registry.GetGlobalRegistry()
+	models := []*registry.ModelInfo{{ID: "audit-luna"}, {ID: "audit-sol"}, {ID: "audit-terra"}}
+	for _, id := range []string{"audit-healthy-api", "audit-quota-oauth"} {
+		if _, err := m.Register(ctx, &Auth{ID: id, Provider: "codex", Status: StatusActive}); err != nil {
+			t.Fatal(err)
+		}
+		r.RegisterClient(id, "codex", models)
+		t.Cleanup(func() { r.UnregisterClient(id) })
+	}
+	for _, model := range models {
+		m.MarkResult(ctx, Result{AuthID: "audit-quota-oauth", Provider: "codex", Model: model.ID, Success: true})
+	}
+	retry := 3 * time.Hour
+	m.MarkResult(ctx, Result{
+		AuthID: "audit-quota-oauth", Provider: "codex", Model: "audit-sol",
+		Error:      &Error{HTTPStatus: http.StatusTooManyRequests, Code: "usage_limit_reached", Message: "quota exceeded"},
+		RetryAfter: &retry, CredentialScope: true,
+	})
+	oauth, _ := m.GetByID("audit-quota-oauth")
+	listed := map[string]bool{}
+	for _, model := range r.GetAvailableModels("openai") {
+		id, _ := model["id"].(string)
+		listed[id] = true
+	}
+	for _, model := range models {
+		state := oauth.ModelStates[model.ID]
+		if state == nil || !state.Quota.Exceeded {
+			t.Fatalf("expected model %s to have Quota.Exceeded = true", model.ID)
+		}
+		expectedReason := "credential_quota"
+		if model.ID == "audit-sol" {
+			expectedReason = "quota"
+		}
+		if state.Quota.Reason != expectedReason {
+			t.Fatalf("model %s: got Quota.Reason = %q, want %q", model.ID, state.Quota.Reason, expectedReason)
+		}
+		t.Logf("model=%s OAuth_reason=%s quota_exceeded=%v healthy_provider_blocked=%v listed=%v",
+			model.ID, state.Quota.Reason, state.Quota.Exceeded, false, listed[model.ID])
+		wantListed := true
+		if listed[model.ID] != wantListed {
+			t.Errorf("healthy catalog lost %s: listed=%v, want %v", model.ID, listed[model.ID], wantListed)
+		}
+	}
+	healthy, _ := m.GetByID("audit-healthy-api")
+	for _, model := range models {
+		blocked, _, _ := isAuthBlockedForModel(healthy, model.ID, time.Now())
+		if blocked {
+			t.Fatalf("healthy API provider unexpectedly blocked for %s", model.ID)
+		}
+	}
+	// Simulate the same service restart sequence using the real .cds store.
+	for _, id := range []string{"audit-healthy-api", "audit-quota-oauth"} {
+		r.UnregisterClient(id)
+	}
+	restarted := NewManager(nil, nil, nil)
+	for _, id := range []string{"audit-healthy-api", "audit-quota-oauth"} {
+		if _, err := restarted.Register(ctx, &Auth{ID: id, Provider: "codex", Status: StatusActive}); err != nil {
+			t.Fatal(err)
+		}
+		r.RegisterClient(id, "codex", models)
+	}
+	restarted.SetCooldownStateStore(store)
+	if err := restarted.RestoreCooldownStates(ctx); err != nil {
+		t.Fatal(err)
+	}
+	restarted.ReconcileRegistryModelStates(ctx, "audit-quota-oauth")
+	restored, _ := restarted.GetByID("audit-quota-oauth")
+	if restored.Quota.Reason != "credential_quota" || !restored.Quota.NextRecoverAt.After(time.Now()) {
+		t.Fatal("restart did not restore the active credential quota")
+	}
+	listedAfterRestart := map[string]bool{}
+	for _, model := range r.GetAvailableModels("openai") {
+		id, _ := model["id"].(string)
+		listedAfterRestart[id] = true
+	}
+	if !listedAfterRestart["audit-luna"] || !listedAfterRestart["audit-terra"] || !listedAfterRestart["audit-sol"] {
+		t.Fatalf("restart hid a healthy provider: %v", listedAfterRestart)
+	}
+	t.Log("real .cds persistence + restart + reconciliation keeps all models with a healthy provider visible")
+}
diff --git a/sdk/cliproxy/auth/scheduler_test.go b/sdk/cliproxy/auth/scheduler_test.go
index e2dd7d908..129661653 100644
--- a/sdk/cliproxy/auth/scheduler_test.go
+++ b/sdk/cliproxy/auth/scheduler_test.go
@@ -2211,8 +2211,9 @@ func TestManager_SchedulerSharesThinkingSuffixCooldownAndRegistryState(t *testin
 	if len(auth.ModelStates) != 1 || auth.ModelStates[baseModel] == nil {
 		t.Fatalf("ModelStates = %+v, want only canonical key %q", auth.ModelStates, baseModel)
 	}
-	if count := reg.GetModelCount(baseModel); count != 0 {
-		t.Fatalf("registry model count during cooldown = %d, want 0", count)
+	// Only thinking-auth-a is cooling down; thinking-auth-b remains available.
+	if count := reg.GetModelCount(baseModel); count != 1 {
+		t.Fatalf("registry model count during cooldown = %d, want 1", count)
 	}
 	for _, model := range []string{baseModel, baseModel + "(medium)", baseModel + "(low)"} {
 		got, errPick := manager.scheduler.pickSingle(context.Background(), "gemini", model, cliproxyexecutor.Options{}, nil)