Read the noun attached to the limit
Hoopla describes the collective daily limit as the library’s spending limit across its users. Any patron can encounter it once that shared budget is exhausted, including someone who has not borrowed that day. Your individual usage counter therefore does not contradict that message.
By contrast, the personal monthly limit is the number of titles your library allocates to your account each month. Keep a note of the exact error rather than paraphrasing both situations as no credits. That wording determines whether waiting for another day or another month is relevant.
Choose the relevant next attempt
The official guidance says the collective daily limit resets at midnight and recommends borrowing earlier in the day. It says personal monthly allowances reset on the first of the month. Where timing is uncertain, ask your library which local reset applies to its service.
For example, an unused personal allowance cannot override a library-wide daily stop. Save the desired title to favourites so it can be found again, then make a later attempt appropriate to the actual message. A favourite is a reminder, not a reserved borrow or a guarantee that the next attempt will succeed.
Avoid returning a title to refill the monthly counter
Hoopla says returning a title does not restore a borrow for the current month; the allowance counts cumulative monthly use. It also says unused borrows do not roll over. Treat the counter as usage over a period rather than the number of items currently checked out.
If the message persists after the expected reset, contact the library with the error text, date, account library and visible counter. Do not send the full library-card number in a public post. The institution can address its budget or membership context more directly than a generic device-reset routine.
Questions about this guide
Can a daily collective error appear with personal borrows remaining?
Yes. It applies across the library’s users rather than just your own account.
Does returning an item refill monthly borrows?
Hoopla explicitly says returning a title does not increase the current month’s allowance.