It took me a while to learn how to read the timecard properly, but here’s an easy one when on reserve:

Any time the value of in item under the PAY TIME header exceeds the value of that item under the CREDIT header, the difference is paid ABOVE your reserve guarantee. Remember your reserve guarantee is frequently different than the published reserve guarantee for your category when there are anomalies like training, vacation, personal drops, etc.

Often times an item will have zero value in the credit column - that’s a good thing since it’s pay above guarantee.