fix: Dynamic credit initialization from subscription plan

- Removed hardcoded 100 credits from lazy initialization
- Now looks up user's subscription plan and uses monthly_credits
- Set total_purchased to 0 (previously incorrectly set to 100)
- Fallback to 10 credits if no plan found (starter default)

src/services/credit-service.ts

@@ -53,14 +53,30 @@ export async function getUserCredits(userId: string): Promise<UserCredits | null
             .single();
 
         if (error) {
-            // If user doesn't have credits yet, create entry with default values
+            // If user doesn't have credits yet, create entry based on their subscription plan
             if (error.code === 'PGRST116') {
+                // Get user's subscription plan credits
+                const { data: subscription } = await supabase
+                    .from('user_subscriptions')
+                    .select(`
+                        subscription_plans (
+                            monthly_credits
+                        )
+                    `)
+                    .eq('user_id', userId)
+                    .single();
+
+                // Extract monthly_credits from plan (default to 10 for starter)
+                const planData = subscription?.subscription_plans;
+                const plan = Array.isArray(planData) ? planData[0] : planData;
+                const startingCredits = plan?.monthly_credits ?? 10;
+
                 const { data: newCredits, error: insertError } = await supabase
                     .from('user_credits')
                     .insert({
                         user_id: userId,
-                        balance: 100, // Starting credits
-                        total_purchased: 100,
+                        balance: startingCredits,
+                        total_purchased: 0,
                         total_used: 0
                     })
                     .select()
@@ -71,6 +87,7 @@ export async function getUserCredits(userId: string): Promise<UserCredits | null
                     return null;
                 }
 
+                console.log(`[Credits] Created credits for user with ${startingCredits} balance from plan`);
                 return newCredits;
             }