get_credits

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The prepaid credit balance of the account: available credits, which never expire, and the amount reserved by surveys in progress with the detail of each reservation. Read it before starting a tracker, or when a call fails with insufficient_credits. It also carries what a top-up is worth here, so you never have to work it out: `monthly_estimate_minor` is what the account has set up to consume in a month, and `suggested_topups[]` gives three amounts derived from it, each with `amount_minor`, `amount` (major units) and `covers_months`, the runway it buys at that pace. `min_topup_minor` is the floor a top-up has to clear. When the account consumes nothing yet, `monthly_estimate_minor` is 0 and `suggested_topups` is empty: ask the person what they want to measure, and the amounts appear as soon as a tracker is configured.