feat: restore credit limits and harden SMS sending

src/apps/client/ClientHome.tsx

@@ -50,7 +50,7 @@ export function ClientHome() {
   }, []);
 
   const account = dashboard?.accounts[0];
-  const availableBalance = (account?.balanceCents ?? 0) / 100;
+  const availableBalance = ((account?.balanceCents ?? 0) + (account?.creditCents ?? 0)) / 100;
   const todaySpend = (dashboard?.today.spendCents ?? 0) / 100;
   const todayRefund = Math.abs((dashboard?.transactions._sum.amountCents ?? 0) < 0 ? 0 : dashboard?.transactions._sum.amountCents ?? 0) / 100;
   const balanceBaseline = Math.max(availableBalance + todaySpend - todayRefund, availableBalance, 1);
@@ -102,9 +102,9 @@ export function ClientHome() {
 
       <div className="dashboard-grid">
         <div className="surface metric-card metric-card--featured">
-          <span>账户剩余余额</span>
+          <span>可用发送额度</span>
           <strong>¥{formatAmount(availableBalance)}</strong>
-          <small>今日消费 ¥{formatAmount(todaySpend)}</small>
+          <small>现金余额 ¥{formatCents(account?.balanceCents)}</small>
         </div>
         <div className="surface metric-card">
           <span>今日发送</span>