feat(QOV-1600): use backend billing_deployment_restriction for cluste…

[Guimove]

Replace client-side heuristic (trial days + credit card check) with the
backend-provided billing_deployment_restriction field from the organization API.

• Hook: restriction driven by billing_deployment_restriction != null
• FreeTrialBanner: shows for NO_CREDIT_CARD (trial message) and for
  other restrictions (generic deployment blocked message, red banner)
• Cluster creation page: NO_CREDIT_CARD shows "add credit card" callout
  with modal, other restrictions show a generic blocked callout without
  credit card action

Summary

Issue:

Screenshots / Recordings

Testing

• Changes tested locally in the relevant Console's pages and Storybooks
• yarn test or yarn test -u (if you need to regenerate snapshots)
• yarn format
• yarn lint

PR Checklist

• I followed naming, styling, and TypeScript rules (see .cursor/rules)
• I performed a self-review (diff inspected, dead code removed)
• I titled the PR using Conventional Commits with a scope when possible (e.g. feat(service): add new Terraform service) - required for semantic-release
• I only kept necessary comments, written in English (watch for useless AI comments)
• I involved a designer to validate UI changes if I am not a designer
• I covered new business logic with tests (unit)
• I confirmed CI is green (Codecov red can be accepted)
• I reviewed and executed locally any AI-assisted code

[codecov]

Codecov Report

❌ Patch coverage is 6.89655% with 27 lines in your changes missing coverage. Please review.
✅ Project coverage is 47.25%. Comparing base (34f7731) to head (c2ddc65).
⚠️ Report is 1 commits behind head on staging.

Files with missing lines	Patch %	Lines
...re/src/lib/free-trial-banner/free-trial-banner.tsx	0.00%	9 Missing ⚠️
...on-restriction/use-cluster-creation-restriction.ts	0.00%	7 Missing ⚠️
...ling-summary/page-organization-billing-summary.tsx	12.50%	6 Missing and 1 partial ⚠️
.../lib/feature/page-new-feature/page-new-feature.tsx	25.00%	1 Missing and 2 partials ⚠️
...b/hooks/use-add-credit-card/use-add-credit-card.ts	0.00%	1 Missing ⚠️

Additional details and impacted files

@@            Coverage Diff            @@
##           staging    #2402    +/-   ##
=========================================
  Coverage    47.24%   47.25%            
=========================================
  Files         1287     1271    -16     
  Lines        24049    23542   -507     
  Branches      7109     6947   -162     
=========================================
- Hits         11363    11124   -239     
+ Misses       10517    10295   -222     
+ Partials      2169     2123    -46     

Flag	Coverage Δ
unittests	47.25% <6.89%> (+<0.01%)	⬆️

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[RemiBonnet]

🎉 This PR is included in version 1.289.0 🎉

The release is available on GitHub release

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