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）

src/Payment/UserOrders.php

@@ -186,6 +186,12 @@ class UserOrders {
         $image = $this->resolve_image($meta, $product_id);
         $group = $this->status_group($status);
         $payment_method = sanitize_key((string) ($order['payment_method'] ?? ''));
+        // 卡密核销不发生任何真实支付（现金在售卡时已确认），实付恒为 0，
+        // 视图层统一归零以覆盖历史行（历史数据不做迁移）。
+        $amount = (string) ($order['amount'] ?? '0.00');
+        if ($payment_method === 'card_pass') {
+            $amount = $is_points ? '0' : '0.00';
+        }
         $can_pay = $group === OrderCenterQuery::STATUS_PENDING;
         $can_cancel = $group === OrderCenterQuery::STATUS_PENDING;
         $order_number = (string) ($order['order_number'] ?? '');
@@ -194,7 +200,7 @@ class UserOrders {
         $view = [
             'id' => (int) ($order['id'] ?? 0),
             'order_number' => $order_number,
-			'amount' => (string) ($order['amount'] ?? '0.00'),
+			'amount' => $amount,
             'currency' => $currency,
             'currency_symbol' => $is_points
                 ? (class_exists('\AKSRT\Settings\Settings') ? \AKSRT\Settings\Settings::get_currency_name() : __('积分', 'aksrt'))
@@ -288,6 +294,13 @@ class UserOrders {
 
     /** @param array<string, mixed> $meta */
     private function resolve_title(array $meta, string $type, int $product_id, string $fallback): string {
+        // 卡密核销订单：按 note.meta 生成可读名称（余额/积分卡记面额，会员卡记档位与时长）。
+        if (!empty($meta['card_pass'])) {
+            $title = $this->resolve_card_pass_title($meta);
+            if ($title !== '') {
+                return $title;
+            }
+        }
         foreach (['product_title', 'title', 'package_title'] as $key) {
             if (!empty($meta[$key]) && is_string($meta[$key])) {
                 return (string) $meta[$key];
@@ -315,6 +328,43 @@ class UserOrders {
         return $fallback;
     }
 
+    /**
+     * 卡密核销订单名称：
+     * - 余额卡：卡密兑换-余额充值{面额}
+     * - 积分卡：卡密兑换-积分充值{点数}
+     * - 会员卡：购入[{会员档位名}]{N}天（永久卡为「永久」）
+     *
+     * @param array<string, mixed> $meta
+     */
+    private function resolve_card_pass_title(array $meta): string {
+        $card_meta = is_array($meta['meta'] ?? null) ? $meta['meta'] : [];
+        $card_type = sanitize_key((string) ($meta['card_type'] ?? ''));
+        if ($card_type === ChargeCard::TYPE_BALANCE) {
+            $amount = (string) ($card_meta['amount'] ?? '');
+            if (str_contains($amount, '.')) {
+                $amount = rtrim(rtrim($amount, '0'), '.');
+            }
+            return __('卡密兑换-余额充值', 'aksrt') . $amount;
+        }
+        if ($card_type === ChargeCard::TYPE_CREDITS) {
+            return __('卡密兑换-积分充值', 'aksrt') . (string) max(0, (int) ($card_meta['points'] ?? 0));
+        }
+        if ($card_type === ChargeCard::TYPE_VIP) {
+            $level = max(1, min(2, (int) ($card_meta['level'] ?? 1)));
+            $days = max(0, (int) ($card_meta['days'] ?? 0));
+            $levels = class_exists('\AKSRT\Settings\Settings')
+                ? (\AKSRT\Settings\Settings::get_payment_vip_settings()['levels'] ?? [])
+                : [];
+            $level_name = is_array($levels) ? (string) ($levels[$level]['name'] ?? '') : '';
+            if ($level_name === '') {
+                $level_name = 'VIP' . $level;
+            }
+            $suffix = $days > 0 ? sprintf(__('%d天', 'aksrt'), $days) : __('永久', 'aksrt');
+            return sprintf(__('购入[%1$s]%2$s', 'aksrt'), $level_name, $suffix);
+        }
+        return '';
+    }
+
     /** @param array<string, mixed> $meta */
     private function resolve_image(array $meta, int $product_id): string {
         if (!empty($meta['thumb']) && is_string($meta['thumb'])) {