User Balance - Rain

Call Get a user’s credit balances to read the balance metrics for one user. All amounts are integers in cents.

How balances are calculated

The response provides these fields:

Field	Description
`creditLimit`	The maximum credit assigned to the user.
`pendingCharges`	Transactions that are authorized but not yet finalized.
`postedCharges`	Transactions that have been finalized or settled.
`balanceDue`	The total amount the user owes.
`spendingPower`	The remaining credit available to the user: the credit limit minus everything outstanding (pending, posted, due, and any in-flight transfer or bill-pay holds).
`currency`	The balance currency, when set for your program.
`timelockedWithdrawals`	Informational: the total of the user’s initiated time-locked withdrawals. Not subtracted from `spendingPower`.
`spendingPowerWithWallet`	Only on programs that pull funds from customer wallets at authorization time: `spendingPower` plus what Rain can currently pull from the user’s wallet allowance.

A pending refund doesn’t raise spendingPower. Refund value lands only when the refund settles.