Consider check to ensure overage charges are only processed if the customer has accepted overage terms

Problem

We are currently investigating an incident, https://gitlab.com/gitlab-com/gl-infra/production/-/work_items/21119+. Customers are not being blocked from usage after exceeding their credit limits, even after the caching period. While we've made some adjustments to rate limiting, we're still investigating and monitoring.

Proposal

While not addressing the underlying problem, one possible solution to consider might be to update the ConsumptionService to skip consumption of overage charges for subscriptions that have not accepted overage terms. This would not solve the problem of allowing free usage but it would at least prevent overage transactions from being created which the customer has not permitted.