feat(#37): módulo de cartão de crédito com faturas mensais

- Migration 011: closing_day/due_day em accounts + tabela credit_bills
- CreditBillService: cria/atualiza fatura corrente on-demand no GET /accounts
- Widget FATURA ATUAL no dashboard com total e botão PAGAR
- AccountsView: campos closing_day/due_day para contas credit + painel fatura
- Dashboard: current_bills lista faturas não pagas de todos os cartões

Co-Authored-By: Claude Sonnet 4.6 <[email protected]>

apps/api/internal/service/account.go

@@ -27,12 +27,13 @@ type AccountRepo interface {
 }
 
 type AccountService struct {
-	repo    repository.AccountRepoWithYield
-	cdiSvc  *CDIYieldService
+	repo        repository.AccountRepoWithYield
+	cdiSvc      *CDIYieldService
+	billSvc     *CreditBillService
 }
 
-func NewAccountService(repo repository.AccountRepoWithYield, cdiSvc *CDIYieldService) *AccountService {
-	return &AccountService{repo: repo, cdiSvc: cdiSvc}
+func NewAccountService(repo repository.AccountRepoWithYield, cdiSvc *CDIYieldService, billSvc *CreditBillService) *AccountService {
+	return &AccountService{repo: repo, cdiSvc: cdiSvc, billSvc: billSvc}
 }
 
 func (s *AccountService) validate(in model.AccountInput) error {
@@ -45,22 +46,44 @@ func (s *AccountService) validate(in model.AccountInput) error {
 	return nil
 }
 
-// List returns accounts, applying CDI yield on-demand for cdi-type accounts.
+// List returns accounts, applying CDI yield on-demand and attaching current bill for credit accounts.
 func (s *AccountService) List(ctx context.Context) ([]model.Account, error) {
 	accounts, err := s.repo.List(ctx)
 	if err != nil {
 		return nil, err
 	}
 
+	yieldApplied := false
 	for i := range accounts {
 		if accounts[i].YieldType == "cdi" {
-			// Apply CDI yield — errors are non-fatal (BCB API may be unavailable)
 			_ = s.cdiSvc.ApplyYield(ctx, &accounts[i])
+			yieldApplied = true
 		}
 	}
 
-	// Re-fetch after yield transactions may have been created to get updated balances
-	return s.repo.List(ctx)
+	if yieldApplied {
+		accounts, err = s.repo.List(ctx)
+		if err != nil {
+			return nil, err
+		}
+	}
+
+	for i := range accounts {
+		if accounts[i].Type == "credit" {
+			closing, due := 1, 10
+			if accounts[i].ClosingDay != nil {
+				closing = *accounts[i].ClosingDay
+			}
+			if accounts[i].DueDay != nil {
+				due = *accounts[i].DueDay
+			}
+			_ = s.billSvc.EnsureCurrentBill(ctx, accounts[i].ID, closing, due)
+			bill, _ := s.billSvc.GetCurrent(ctx, accounts[i].ID)
+			accounts[i].CurrentBill = bill
+		}
+	}
+
+	return accounts, nil
 }
 
 func (s *AccountService) Create(ctx context.Context, in model.AccountInput) (*model.Account, error) {