# Rate Limits (PHP SDK)

Retrieve rate limit information for the current user.

## Making Requests

Use the `user()` method on the `utilities` resource to get rate limit information:

<a name="user"></a>
## user

```php
public function user(): User
```

Retrieve rate limit information for the current user, including credit usage and limits.

### Notes

- Rate limits track **credits**, not requests. Most requests consume 1 credit, but bulk requests or options requests may consume multiple credits.
- Free/Starter/Trader plans have daily limits.
- Prime users have per-minute limits.
- The `reset` timestamp indicates when the current rate limit window resets (UTC).

### Returns

- `User`

  A User response object containing rate limit information.

### Example (Check Limits)

```php
<?php

use MarketDataApp\Client;

$client = new Client();

// Get rate limit information
$user = $client->utilities->user();

echo "Rate Limit Status\n";
echo "=================\n";
echo "Limit: " . number_format($user->limit) . " credits\n";
echo "Remaining: " . number_format($user->remaining) . " credits\n";
echo "Used: " . number_format($user->consumed) . " credits\n";
echo "Resets: " . $user->reset->format('Y-m-d H:i:s T') . "\n";

// Calculate usage percentage
$usagePercent = (($user->limit - $user->remaining) / $user->limit) * 100;
echo "Usage: " . number_format($usagePercent, 1) . "%\n";
```

**Output**

```
Rate Limit Status
=================
Limit: 10,000 credits
Remaining: 9,850 credits
Used: 1 credits
Resets: 2024-01-16 00:00:00 UTC
Usage: 1.5%
```

### Example (Usage Warning)

```php
<?php

use MarketDataApp\Client;

$client = new Client();

$user = $client->utilities->user();

// Check if approaching rate limit
$usagePercent = (($user->limit - $user->remaining) / $user->limit) * 100;

if ($usagePercent > 90) {
    echo "⚠️ WARNING: You've used " . number_format($usagePercent, 1) . "% of your daily limit!\n";
    echo "Only " . number_format($user->remaining) . " credits remaining.\n";
    echo "Limit resets at: " . $user->reset->format('H:i:s T') . "\n";
} elseif ($usagePercent > 75) {
    echo "ℹ️ Notice: You've used " . number_format($usagePercent, 1) . "% of your daily limit.\n";
} else {
    echo "✓ Usage is normal: " . number_format($usagePercent, 1) . "% used.\n";
}
```

### Example (Rate Limit Header)

```php
<?php

use MarketDataApp\Client;

$client = new Client();

// Rate limits are also available on the client after any request
$quote = $client->stocks->quote('AAPL');

if ($client->rate_limits) {
    echo "Rate limits from last response:\n";
    echo "Consumed: " . $client->rate_limits->consumed . " credits\n";
    echo "Remaining: " . $client->rate_limits->remaining . " credits\n";
    echo "Limit: " . $client->rate_limits->limit . " credits\n";
}
```

<a name="User"></a>
## User

```php
class User
{
    public int $limit;
    public int $remaining;
    public int $consumed;
    public Carbon $reset;
}
```

Represents rate limit information for the current user.

### Properties

- `limit` (int): Maximum number of credits permitted per rate period.
- `remaining` (int): Credits remaining in the current rate period.
- `consumed` (int): Credits consumed in the current request (not cumulative).
- `reset` (Carbon): When the current rate limit window resets (UTC).