I've read all the threads about this error without success. I think I've 
done all I could do myself.

I went through the Common Errors guide 
<https://developers.google.com/adwords/api/docs/common-errors#QuotaCheckError>
:
*Did you enter your billing information?*
*Yes. *I can see billing information in my *Production MCC* account. I've 
seen AdWords API T&C and accepted it.
*Are you having trouble entering your billing information?*
*No. *I've added credit card successfully. It was charged for a few cents 
(like when you link a card to Google Play) from Google Inc. So I'm sure the 
card was added successfully.
*Are you using an unapproved developer token against a production AdWords 
account?*
*No.* I'm using developer token from *Production MCC *against  the *test 
client account* under *Test MCC*.
*Still receiving INCOMPLETE_SIGNUP error after completing the above steps?*
*Yes! *I've submitted  a form to AdWords API Compliance 
<https://services.google.com/fb/forms/apicontact/> and received an answer 
with same steps. So the tals way was to use the developer forum.


My *Production MCC*: 182-716-2353
My *Test MCC*: 662-907-7712
My *Client *under *Test MCC*: 861-475-5602

In the Developers Console I've created a "web application" logged in with 
the email of my Test MCC.

When a logged in as *Test MCC *owner account I go to my own web application 
and go through OAuth2 flow, grant access to my application.

Then I setup the client library in my web-server application with:
Developer Token: Developer token from my *Production MCC*.
Client Customer ID: *Client *under *Test MCC* (861-475-5602).
OAuth2 Client ID — From the app in Developers Console as described above.
OAuth2 Client Secret — Secret of the app.
OAuth2 Token: The one from auth flow with Test MCC owner.

In debug mode I see Authorization header with the right token and SOAP body 
contains clientCustomerId. So configs are fine.

After all I receive INCOMPLETE_SIGNUP with any api request.

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