Reading balances

Credits::for($user)->balance();                                // 70 — the default bucket
Credits::for($user)->balance(now()->subWeek());                // as of a point in time
Credits::for($user)->bucket('promotional')->balance(now()->startOfMonth());

Credits::for($user)->has(100);                                 // true if balance >= 100
Credits::for($user)->bucket('purchased')->has(100, now()->subWeek());

$user->creditsBalance();                         // 70 — the default bucket

// Balance as of a point in time (rows with created_at <= $at):
$user->creditsBalance(now()->subWeek());
$user->creditsBalance(at: now()->startOfMonth(), bucket: 'promotional');

$user->hasCredits();                             // true if balance >= 1
$user->hasCredits(100);                          // true if balance >= 100
$user->hasCredits(100, now()->subWeek());        // ... as of a week ago
$user->hasCredits(100, bucket: 'purchased');     // ... in one bucket

$user->credits()->latest()->get();              // every ledger row, newest first
$user->credits()->deductions()->count();         // the model's query scopes work on the relation
$user->credits()->withTrashed()->get();          // include soft-deleted rows