feat(payment): 通用卡密兑换弹窗并修正核销订单实付与订单名称

- /user/balance/ 余额卡片入口改为通用「卡密兑换」弹窗：请求不带类型，
  后端按卡密自动识别余额/会员/积分；卡号输入恒展示且选填
- 后台「余额充值 → 卡密充值」语义更新为「卡密兑换」，开关更名
  「启用卡密兑换功能」（设置键不变），双源 schema 同步并重建 SPA
- 删除死代码：credits-vip.php 死文件、credits-balance.php 内联积分
  兑换块、/pay/card-pass/options 路由与 rest_options、labels 数组、
  asset_points_card_description/password_only 死字段及内联块专属 CSS
- 卡密核销订单实付恒 0：create_redeem_order 源头写 0，UserOrders
  对 card_pass 订单视图层归零覆盖历史行（不迁移数据）
- 订单名称按 note.meta 生成：卡密兑换-余额充值X / 卡密兑换-积分充值X /
  购入[会员档位名]X天(永久)
- 新增契约 card-pass-universal-redeem.test.cjs，收紧 user-assets-layout
  契约（禁 .uc-card-pass 根类回潮）

inc/helpers/user-center-renderers/credits-balance.php

@@ -13,11 +13,6 @@ if (!$credits_enabled) {
 	return;
 }
 
-$card_pass_credits = ['enabled' => false, 'desc' => '', 'only_password' => true];
-if (class_exists('\AKSRT\Payment\ChargeCard')) {
-	$opts = \AKSRT\Payment\ChargeCard::get_instance()->get_public_options();
-	$card_pass_credits = is_array($opts['credits'] ?? null) ? $opts['credits'] : $card_pass_credits;
-}
 $all_settings = class_exists('\AKSRT\Settings\Settings') ? \AKSRT\Settings\Settings::get_all() : [];
 $points_uid = (int) ($user_id ?? get_current_user_id());
 $points_transfer_on = !empty($all_settings['points_transfer_s']);
@@ -83,23 +78,3 @@ $currency = (string) ($currency_name ?? __('积分', 'aksrt'));
 	</div>
 </div>
 <?php endif; ?>
-
-<?php if (!empty($card_pass_credits['enabled'])) : ?>
-<div class="uc-card-pass" data-aksrt-card-pass="credits">
-	<div class="uc-card-pass__title">
-		<i class="fa fas fa-ticket-alt" aria-hidden="true"></i>
-		<span><?php esc_html_e('卡密兑换积分', 'aksrt'); ?></span>
-	</div>
-	<?php if (!empty($card_pass_credits['desc'])) : ?>
-		<p class="uc-card-pass__desc"><?php echo esc_html((string) $card_pass_credits['desc']); ?></p>
-	<?php endif; ?>
-	<?php if (empty($card_pass_credits['only_password'])) : ?>
-		<input type="text" class="uc-card-pass__input" name="aksrt_card_no" data-aksrt-card-no autocomplete="off" placeholder="<?php esc_attr_e('请输入卡号', 'aksrt'); ?>">
-	<?php endif; ?>
-	<input type="text" class="uc-card-pass__input" name="aksrt_card_password" data-aksrt-card-password autocomplete="off" placeholder="<?php esc_attr_e('请输入卡密', 'aksrt'); ?>">
-	<button type="button" class="uc-card-pass__btn" data-aksrt-card-redeem data-type="credits">
-		<?php esc_html_e('兑换积分', 'aksrt'); ?>
-	</button>
-	<p class="uc-card-pass__tip" data-aksrt-card-tip></p>
-</div>
-<?php endif; ?>