Two bugs fixed: 1. FATAL: lines 213-278 were indented inside the 'if new_balance < 0' block, causing all normal (positive balance) accounting operations to be skipped. All post-credit-check code now correctly at method body level (2 tabs). 2. LOGIC: added else clause to reset used_credit to 0 when balance returns to non-negative (e.g. after recharge). Previously used_credit stayed stale after account recovered from overdraft.
accounting
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