feat(chat): handle credit-gated send responses

src/app/chat/chat-screen.tsx

@@ -6,6 +6,7 @@ import { useRouter } from "next/navigation";
 
 import { useAuthState } from "@/stores/auth/auth-context";
 import { useChatDispatch, useChatState } from "@/stores/chat/chat-context";
+import { useUserState } from "@/stores/user/user-context";
 
 import { MobileShell } from "@/app/_components/core";
 
@@ -22,6 +23,7 @@ import {
 import {
   deriveIsGuest,
   getChatPaywallNavigationUrl,
+  getInsufficientCreditsSubscriptionType,
   isChatDevelopmentEnvironment,
   openChatInExternalBrowser,
   recordExternalBrowserPromptShown,
@@ -34,6 +36,7 @@ export function ChatScreen() {
   const state = useChatState();
   const chatDispatch = useChatDispatch();
   const authState = useAuthState();
+  const userState = useUserState();
   const router = useRouter();
   const [showExternalBrowserDialog, setShowExternalBrowserDialog] =
     useState(false);
@@ -43,8 +46,17 @@ export function ChatScreen() {
 
   // 消息数量限制由后端统一返回 lockDetail，前端不再处理本地额度。
   const showMessageLimitBanner =
-    state.upgradePromptVisible && state.upgradeReason === "weekly_limit";
-  const messageLimitTitle = "The limit for free chat times\nhas been reached";
+    state.upgradePromptVisible &&
+    (state.upgradeReason === "weekly_limit" ||
+      state.upgradeReason === "insufficient_credits");
+  const messageLimitTitle =
+    state.upgradeReason === "insufficient_credits"
+      ? "Insufficient credits\nTop up to continue chatting"
+      : "The limit for free chat times\nhas been reached";
+  const messageLimitCtaLabel =
+    state.upgradeReason === "insufficient_credits"
+      ? "Top up credits to continue"
+      : "Unlock your membership to continue";
 
   const externalBrowserPromptShownRef = useRef(false);
 
@@ -102,7 +114,17 @@ export function ChatScreen() {
   }
 
   function handleMessageLimitUnlock(): void {
-    openChatPaywallSubscription();
+    const subscriptionType =
+      state.upgradeReason === "insufficient_credits"
+        ? getInsufficientCreditsSubscriptionType(userState.isVip)
+        : "vip";
+
+    router.push(
+      getChatPaywallNavigationUrl(
+        authState.loginStatus,
+        subscriptionType,
+      ),
+    );
   }
 
   function handleUnlockVoiceMessage(): void {
@@ -137,6 +159,7 @@ export function ChatScreen() {
           {showMessageLimitBanner ? (
             <ChatQuotaExhaustedBanner
               title={messageLimitTitle}
+              ctaLabel={messageLimitCtaLabel}
               onUnlock={handleMessageLimitUnlock}
             />
           ) : (