> ## Documentation Index
> Fetch the complete documentation index at: https://docs.getasset.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Customer Credit Balance Report

## **Overview**

The **Customer Credit Balance Report** shows all outstanding credits a [Business](/getstarted/CoreConcepts#businesses-your-smb-customers) has issued to its customers.

Customer credits are created when payments exceed the balance of an Invoice, or when a Refund is issued as a **credit** rather than cash. These credits can later be applied to future Invoices.

Key components:

* **Total Credits** – The total dollar value of credits issued to a customer.
* **Total Applied Credits** – The portion of credits already used against Invoices.
* **Total Available Credits** – The remaining credits that can still be applied.

This report helps Businesses track liabilities to customers and ensure credits are properly managed and applied.

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## **How to Generate a Customer Credit Balance Report**

1. Call the [Retrieve the Customer Credit Balance Report](/api-reference/reports/retrieve-the-customer-credit-balance-report) endpoint with:
   * **Business ID**

2. Use the response to present customer-level credit balances:
   * **Customer ID** – Unique identifier for the customer.
   * **Customer Name** – Display name of the customer.
   * **Total Credits** – Value of all credits ever issued to this customer.
   * **Total Applied Credits** – Credits already applied to Invoices.
   * **Total Available Credits** – Credits still available to be applied.

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## **Customer Credit Report Use Cases**

* **Highlight Available Credits** – The `total_available_credits` field represents actionable credits that can be applied to reduce future Invoice payments.
* **Apply to New Invoices** – Credits can be applied when Invoices are created using the [Create an Invoice](/api-reference/invoice/create-an-invoice) endpoint.
* **Monitor Liability Exposure** – Credits represent an obligation of the Business. Regularly reviewing this report ensures liabilities to customers are properly accounted for.

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</Note>