Get the current organization's credit balance
The organization’s credit balance in USD (10 credits = $1): settled is everything granted, bought, captured, refunded or adjusted; held is reserved by open holds; available is settled minus held. A capture never exceeds its hold, so spending alone cannot take available below zero; a refund or adjustment can. kinds splits what is available: planUsd is this period’s plan credits, spent first and gone when the period or the plan ends; topUpUsd is credits added (bought, or granted by staff), spent after plan credits and gone a year after purchase or when the plan ends, whichever is first; topUpExpiresAt is when the soonest of those expires, null when none do.