diff --git a/app/(chat)/api/chat/route.ts b/app/(chat)/api/chat/route.ts
index 98da4a1..63827cb 100644
--- a/app/(chat)/api/chat/route.ts
+++ b/app/(chat)/api/chat/route.ts
@@ -140,7 +140,7 @@ export async function POST(request: Request) {
           titleError.message?.includes('No authentication provided') ||
           titleError.message?.includes('AI Gateway requires a valid credit card'))
         ) {
-          return new ChatSDKError('bad_request:activate_gateway').toResponse();
+          throw titleError;
         }
         console.warn('Title generation failed, using default:', titleError);
       }