Anarchy online credits and its limitations can be a source of frustration and discussion. This post is meant to be a reference of its limits.
GMS 3.999.999.999 credits (not locked)
With 3.999.999.999 credits you will be able to interact with the GMS.
GMS 4.000.000.000 credits (not locked)
With 4b credits you will still be able to interact with the GMS.
GMS 4.000.000.001 credits (LOCKED)
When you have more then 4b credits you will not be able to interact in any way with the GMS other then withdrawing credits.
Character credit limit
A common misconception: one Toon CAN carry exactly and maximally 1b credits. The misconception comes from the weird fact that you can only withdraw a maximum of 999.999.999 credits from the GMS.
Organization credit limit
Request an orgs Bank Account balance with "/org bank".
For completeness I'm also including the limit an organizations bank has. The bank of an organization can carry max. 3.999.999.999 credits. Credits can be added to your org's bank by using the command "/org bank add 1". If the credit limit would be exceeded then the command fails to execute without any message.