fix(cloud): fetch AI credits on startup with endpoint fallback and preserve cached credits

src/components/CloudAccountCard.tsx

@@ -324,6 +324,7 @@ export function CloudAccountCard({
     );
 
   const aiCredits = account.quota?.ai_credits;
+  const shouldShowAiCredits = !!aiCredits && Number.isFinite(aiCredits.credits) && aiCredits.credits >= 0;
 
   const formatCreditsExpiry = (expiryDate: string) => {
     if (!expiryDate) return '';
@@ -369,7 +370,7 @@ export function CloudAccountCard({
           </CardTitle>
           <CardDescription className="truncate text-xs">{account.email}</CardDescription>
 
-          {aiCredits && aiCredits.credits > 0 && (
+          {shouldShowAiCredits && aiCredits && (
             <div className="mt-1 flex items-center gap-1 text-[10px] font-medium text-amber-500">
               <span>${aiCredits.credits.toFixed(2)}</span>
               {aiCredits.expiryDate && (
@@ -623,6 +624,7 @@ export function CompactCloudAccountCard({
   );
 
   const aiCredits = account.quota?.ai_credits;
+  const shouldShowAiCredits = !!aiCredits && Number.isFinite(aiCredits.credits) && aiCredits.credits >= 0;
 
   const formatCreditsExpiry = (expiryDate: string) => {
     if (!expiryDate) return '';
@@ -672,7 +674,7 @@ export function CompactCloudAccountCard({
         <div className="text-muted-foreground flex items-center gap-3 text-xs">
           <span className="truncate">{account.email}</span>
 
-          {aiCredits && aiCredits.credits > 0 && (
+          {shouldShowAiCredits && aiCredits && (
             <span className="shrink-0 text-amber-500">
               ${aiCredits.credits.toFixed(2)}
               {aiCredits.expiryDate && (

src/components/CloudAccountList.tsx

@@ -280,7 +280,21 @@ export function CloudAccountList() {
     refreshMutation.mutate(
       { accountId: id },
       {
-        onSuccess: () => toast({ title: t('cloud.toast.quotaRefreshed') }),
+        onSuccess: (updatedAccount) => {
+          const credits = updatedAccount.quota?.ai_credits?.credits;
+          if (typeof credits === 'number') {
+            toast({
+              title: t('cloud.toast.quotaRefreshed'),
+              description: `AI credits: $${credits.toFixed(2)}`,
+            });
+            return;
+          }
+
+          toast({
+            title: t('cloud.toast.quotaRefreshed'),
+            description: 'AI credits not available for this refresh.',
+          });
+        },
         onError: () => toast({ title: t('cloud.toast.refreshFailed'), variant: 'destructive' }),
       },
     );