completions endpoint: Move out of credits check to after checking for… #5831

Job	Run time
build-and-check	3m 2s
test-integration-packages/billing	1m 1s
test-integration-packages/internal	1m 3s
test-integration-common	42s
test-integration-web	43s
test-integration-sdk	1m 17s
test-integration-packages/agent-runtime	44s
test-integration-cli	42s
test-packages/agent-runtime	50s
test-packages/internal	52s
test-cli	53s
test-web	47s
test-packages/billing	41s
test-.agents	47s
test-sdk	43s
test-common	40s
	15m 27s

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