Returns the current API credit balance for the authenticated account, plus the automatic top-up state of the account (autoTopup: configured, enabled, pack, monthly charge cap and count, last error) so an agent can tell whether a zero balance is a hard stop or refills itself on the next billable call. Free to call. Agents should check the balance before starting large batch jobs and surface "insufficient_credits" errors to the user with a link to top up.

Cost: free.