From 3eedf5137d26afaed58e77c9b751651f50e05788 Mon Sep 17 00:00:00 2001
From: Alessio Cappa <104093777+alessiocappa@users.noreply.github.com>
Date: Wed, 15 Apr 2026 23:25:41 +0200
Subject: [PATCH] fix(Enable Banking): Restore legacy fallback for credit card
 balance calculation (#1477)

* fix: Restore legacy fallback for credit card balance calculation in Enable Banking

* test: update test following new behavior

* test: keep old test

* fix: use absolute value for balance computation
---
 app/models/enable_banking_account/processor.rb  |  6 ++++++
 .../enable_banking_account/processor_test.rb    | 17 +++++++++++++++++
 2 files changed, 23 insertions(+)

diff --git a/app/models/enable_banking_account/processor.rb b/app/models/enable_banking_account/processor.rb
index f48abfa33..a6b546f0a 100644
--- a/app/models/enable_banking_account/processor.rb
+++ b/app/models/enable_banking_account/processor.rb
@@ -55,6 +55,12 @@ class EnableBankingAccount::Processor
           unless account.accountable.present?
             Rails.logger.warn "EnableBankingAccount::Processor - CreditCard accountable missing for account #{account.id}"
           end
+        elsif account.accountable&.available_credit.present?
+          # Fallback: no credit_limit from API — compute it using available_credit defined at account level
+          Rails.logger.info "Using stored available_credit fallback for account #{account.id}"
+          available_credit = account.accountable.available_credit
+          outstanding = balance.abs
+          balance = [ available_credit - outstanding, 0 ].max
         else
           # Fallback: no credit_limit from API — display raw outstanding balance
           # We cannot derive available credit without knowing the limit; leave balance unchanged.
diff --git a/test/models/enable_banking_account/processor_test.rb b/test/models/enable_banking_account/processor_test.rb
index 811df535b..6bdbebda1 100644
--- a/test/models/enable_banking_account/processor_test.rb
+++ b/test/models/enable_banking_account/processor_test.rb
@@ -59,9 +59,26 @@ class EnableBankingAccount::ProcessorTest < ActiveSupport::TestCase
     end
   end
 
+  test "falls back to stored available_credit when credit_limit is absent" do
+    cc_account = accounts(:credit_card)
+    cc_account.accountable.update!(available_credit: 1000.0)
+
+    @enable_banking_account.update!(current_balance: 300.00, credit_limit: nil)
+
+    AccountProvider.find_by(provider: @enable_banking_account)&.destroy
+    AccountProvider.create!(account: cc_account, provider: @enable_banking_account)
+
+    EnableBankingAccount::Processor.new(@enable_banking_account).process
+
+    assert_equal 700.0, cc_account.reload.cash_balance
+  end
+
   test "sets CC balance to raw outstanding when credit_limit is absent" do
     cc_account = accounts(:credit_card)
+    cc_account.accountable.update!(available_credit: nil)
+
     @enable_banking_account.update!(current_balance: 300.00, credit_limit: nil)
+
     AccountProvider.find_by(provider: @enable_banking_account)&.destroy
     AccountProvider.create!(account: cc_account, provider: @enable_banking_account)