"OpenAI returned HTTP error code TooManyRequests"

I have created and recreated APIs, trying both user API keys and the newer project API keys, and I aways get this error:

That's with the following settings

If I try another model besides gpt-3.5-turbo, I get the following error:

Here is my usage for the month... So if I'm understanding this correctly, there's no reason why I should be getting the error:

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