feat(pay): card-pass redeem for VIP and balance (zibll-style)

Rewrite charge-card into typed single-use card_pass inventory with public redeem REST, user-center UI for balance/VIP, admin type-aware create/batch, and CAS mark-used fulfillment via Credits/activate_vip.

assets/css/routes/user-center/credits.css

@@ -560,3 +560,62 @@
   box-shadow: none;
   border-color: var(--color-line, #e5e7eb);
 }
+
+/* Card-pass redeem (balance / VIP) */
+.uc-card-pass {
+  margin: 16px 0 0;
+  padding: 14px 16px;
+  border: 1px solid var(--color-line, #e5e7eb);
+  border-radius: 12px;
+  background: #fff;
+}
+.uc-card-pass__title {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  font-size: 14px;
+  font-weight: 700;
+  color: #111827;
+  margin: 0 0 8px;
+}
+.uc-card-pass__title i { color: #2563eb; }
+.uc-card-pass__desc {
+  margin: 0 0 10px;
+  font-size: 12px;
+  color: #6b7280;
+  line-height: 1.5;
+}
+.uc-card-pass__input {
+  display: block;
+  width: 100%;
+  margin: 0 0 8px;
+  padding: 9px 12px;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  font-size: 13px;
+  box-sizing: border-box;
+}
+.uc-card-pass__btn {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  min-height: 36px;
+  padding: 0 14px;
+  border: 0;
+  border-radius: 8px;
+  background: #2563eb;
+  color: #fff;
+  font-size: 13px;
+  font-weight: 600;
+  cursor: pointer;
+}
+.uc-card-pass__btn:hover { background: #1d4ed8; }
+.uc-card-pass__btn:disabled { opacity: .6; cursor: not-allowed; }
+.uc-card-pass__tip {
+  margin: 8px 0 0;
+  font-size: 12px;
+  color: #059669;
+  min-height: 1.2em;
+}
+.uc-card-pass__tip.is-error { color: #b91c1c; }
+