feat(cards): kart/KMH dönem hesabı, taksitli harcama, kart ve KMH özeti servisleri, 006 migration

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

src/shared/schemas/account.ts

@@ -68,6 +68,8 @@ export const accountFormSchema = z
     cardDueKind: z.enum(DUE_RULE_KINDS),
     cardDueValue: day(31),
     cardPaymentAccountId: objectIdOrEmpty,
+    /** Boş → varsayılan kural (limite göre %20 / %40). */
+    cardMinimumRate: z.string().default("").pipe(percentToBp),
   })
   .superRefine((a, ctx) => {
     if (a.type === "meal_card" && !a.mealCardProvider) {

src/shared/schemas/transaction.ts

@@ -2,6 +2,7 @@ import { z } from "zod";
 import { tr } from "../../i18n/tr";
 import { parseMoney } from "../money";
 import { MAX_ATTACHMENTS_PER_RECORD } from "../attachments";
+import { MAX_INSTALLMENTS } from "../card-periods";
 import { MAX_SPLITS, normalizeTags, TRANSACTION_TYPES } from "../transactions";
 
 const v = tr.validation;
@@ -53,6 +54,14 @@ export const transactionFormSchema = z
       .union([z.string(), z.array(z.string())])
       .default("")
       .transform((x) => normalizeTags(x)),
+    /**
+     * Taksit sayısı (yalnızca kredi kartı gideri, oluştururken). 1 = peşin. Her taksit ayrı işlem
+     * olur; vadesi gelmeyenler planlıdır ve kendi döneminde otomatik gerçekleşir.
+     */
+    installments: z.preprocess(
+      (v) => (v === "" || v === null || v === undefined ? 1 : v),
+      z.coerce.number().int().min(1).max(MAX_INSTALLMENTS, t.installmentsMax),
+    ),
     /** Bağlı ek dosyalar (sıralı). Yeni ekler önce /api/files ile yüklenir. */
     attachmentIds: z
       .array(z.string().regex(/^[a-f0-9]{24}$/i))
@@ -67,6 +76,9 @@ export const transactionFormSchema = z
         ctx.addIssue({ code: "custom", path: ["toAccountId"], message: t.sameAccount });
       return;
     }
+    if (x.installments > 1 && (x.type !== "expense" || x.splits.length > 0)) {
+      ctx.addIssue({ code: "custom", path: ["installments"], message: t.installmentsExpenseOnly });
+    }
     if (x.splits.length === 1) {
       ctx.addIssue({ code: "custom", path: ["splits"], message: t.splitMin });
     } else if (x.splits.length >= 2) {