I do pay for openAi Api but its a top up, my main usage is on free tier. I tried to pay for Claude but they didn't accept my credit card for some reason. I ha

I do pay for openAi Api but its a top up, my main usage is on free tier. I tried to pay for Claude but they didn't accept my credit card for some reason. I have local models working well, but they are a bit slow, my laptop is 5 years old, but eventually when I buy a new one Ill make the switch.