fix(billing): remove redundant account bootstrap request

Co-Authored-By: Claude Code <noreply@anthropic.com>

frontend/src/hooks/use-billing-panel.ts

@@ -109,24 +109,6 @@ export function useBillingPanel(input: {
     ? activeSubscription.productCode
     : null;
 
-  const fetchAccountData = useCallback(async (): Promise<BillingAccount | null> => {
-    try {
-      const response = await fetch("/api/account", { cache: "no-store" });
-      if (response.status === 401) {
-        window.location.assign("/login");
-        return null;
-      }
-      const payload = await response.json().catch(() => null);
-      if (!response.ok) throw new Error(payload?.error || "暂时无法读取账户信息");
-      const next = toBillingAccount(payload as Account);
-      setAccountError("");
-      return next;
-    } catch (caught) {
-      setAccountError(caught instanceof Error ? caught.message : "暂时无法读取账户信息");
-      return null;
-    }
-  }, []);
-
   const resetPaymentState = useCallback(() => {
     setPaymentEnabled(false);
     setPaymentPackages([]);
@@ -216,8 +198,7 @@ export function useBillingPanel(input: {
       setRedeemCode("");
       setRedeemDone(true);
       setRedeemMessage(result.message || `本次到账 ${awarded} 点，最新余额 ${result.credits} 点。`);
-      const refreshed = await fetchAccountData();
-      notifyBalanceChanged(refreshed?.credits ?? result.credits);
+      notifyBalanceChanged(result.credits);
     } catch (caught) {
       setRedeemError(caught instanceof Error ? caught.message : "兑换失败，请稍后重试");
     } finally {
@@ -281,8 +262,9 @@ export function useBillingPanel(input: {
         status: paid ? "paid" : failed ? "failed" : "pending",
       } : current);
       if (paid) {
-        const refreshed = await fetchAccountData();
-        notifyBalanceChanged(refreshed?.credits ?? 0);
+        if (typeof payload.credits === "number") {
+          notifyBalanceChanged(payload.credits);
+        }
       }
     };
     let timer = 0;
@@ -308,7 +290,7 @@ export function useBillingPanel(input: {
       stopPolling();
       document.removeEventListener("visibilitychange", onVisibilityChange);
     };
-  }, [fetchAccountData, paymentOrder]);
+  }, [paymentOrder]);
 
   return {
     account: toBillingAccount(seedAccount),

frontend/src/lib/billing-panel-loader.ts

@@ -3,5 +3,7 @@ export function loadBillingPanel() {
 }
 
 export function prefetchBillingPanel(): void {
-  void loadBillingPanel();
+  // Hover/pointer prefetch is opportunistic. An offline chunk failure must not
+  // become an unhandled rejection handled by StaleClientRecovery as a reload.
+  void loadBillingPanel().catch(() => undefined);
 }