You may encounter this error in the chatbot even though you have entered your OpenAI (ChatGPT) API key correctly.
The most likely reason is that you have no credits on your OpenAI account. The chatbot uses the OpenAI API, which is a paid service.
Check your OpenAI account and top it up if necessary so that the chatbot can work.
Since version 2.8.4, you can receive an email as soon as OpenAI reports a lack of credit, and automatically hide the chatbot while you top up your account. See What to do if the chatbot shows an OpenAI error (model unavailable, quota exceeded, error 429)?.