Hey, this is a known issue. Several users are reporting crashes on 2.6.11 today on both Windows and macOS. Related thread: Cursor keeps crashing - yet another topic.
A few things to try:
Rotate chats. Start a new chat when the current one gets large. Long agent sessions are the most common trigger for out of memory issues on Windows.
Open Ctrl+Shift+P > Developer: Open Process Explorer and check if the renderer process memory climbs past 3 to 4 GB before the crash.
Open Ctrl+Shift+P > Developer: Toggle Developer Tools > Console, then look for [otel.error] or OTLPExporterError lines.
Try running cursor --disable-extensions from the command line to rule out extensions.
About credits being used without code being written, if the agent was processing when the crash happened, those requests still count on our side since the model already processed them.
The team is aware of the crashes on 2.6.11. Let me know what you see in Process Explorer and in the console.