Add credit card application submission flow

[Copilot]

Implements end-to-end application submission for business credit cards with multi-step form validation and persistence.

Backend

New endpoint: POST /api/cards/{cardId}/applications

• CreditCardApplication entity: 25 fields capturing business (EIN, revenue, industry) and personal info (SSN, income, DOB)
• Status lifecycle: PENDING → UNDER_REVIEW → APPROVED/REJECTED
• Repository methods: findByEmail(), findByStatus(), findByCreditCardId()

Request/Response:

POST /api/cards/1/applications
{
  "businessName": "Acme Corp",
  "businessType": "LLC",
  "taxId": "12-3456789",
  "annualRevenue": 500000,
  ...
}

→ 201 Created
{
  "id": 1,
  "status": "PENDING",
  "applicationDate": "2025-11-20T14:45:38Z",
  ...
}

Frontend

New route: /cards/:id/apply

Three-step wizard (CardApplicationPage.jsx):

1. Business Information (legal name, EIN, industry, revenue, years in business)
2. Personal Information (owner SSN, DOB, income, contact details)
3. Review & Submit (confirmation + reference ID on success)

Field validation enforces:

• Email format
• Required fields per step
• Numeric constraints (revenue > 0, years >= 0)
• Date picker for DOB

Updated CardDetailsPage: "Apply Now" button navigates to /cards/:id/apply

Database Schema

CREATE TABLE credit_card_application (
  id BIGINT PRIMARY KEY,
  card_id BIGINT NOT NULL,  -- FK to credit_card
  business_name VARCHAR(200) NOT NULL,
  tax_id VARCHAR(20) NOT NULL,
  ssn VARCHAR(11) NOT NULL,
  status VARCHAR(50) NOT NULL,
  application_date TIMESTAMP NOT NULL,
  ...
);

Screenshots

Card Details with Apply Button:

Application Form - Step 1:

Testing

• Backend: 2 new controller tests, all 12 tests passing
• Manual verification: Complete application flow from card selection → form submission → confirmation

Original prompt

please delegate implementation of this user story using the implementation plan above and checklist

User has selected text in file README.md from 100:41 to 100:45

[Chronological Review: The conversation began with the user requesting assistance in creating a user story for adding an "apply for business credit card" function. The user specified the format and included acceptance criteria, while also noting out-of-scope items. Following this, the user asked for an implementation plan and checklist for the user story. The user then inquired about the estimated time for a developer to implement the plan, and subsequently requested to delegate the implementation of the user story using the provided plan and checklist.]

[Intent Mapping:

1. "Help me create a user story to add 'apply for business credit card' function." - User wants to define a user story with specific criteria.
2. "Come up with an implementation plan for this user story and create checklist." - User seeks a structured approach to implement the user story.
3. "how much do you estimate it would a developer to implement this plan?" - User is looking for an estimation of the implementation effort.
4. "please delegate implementation of this user story using the implementation plan above and checklist." - User wants to assign the task of implementing the user story.]

[Technical Inventory:

• User Story Format: As a [who], I want [what], so that [why].
• Acceptance Criteria: Specific conditions that must be met for the user story to be considered complete.
• Out of Scope: Items that will be handled in separate stories, including security and compliance measures.]

[Code Archaeology: No specific code files or functions were discussed in detail, but the user story and implementation plan are critical to the project.]

[Progress Assessment:

• Completed: User story creation request and acceptance criteria defined.
• Pending: Implementation plan and checklist creation, estimation of developer effort, and delegation of the task.]

[Context Validation: All necessary context for continuing the work on the user story and its implementation plan is captured.]

[Recent Commands Analysis:

• Last Agent Commands: User requested to create a user story, implementation plan, estimation of developer effort, and delegation of the implementation task.
• Tool Results Summary: No specific tool results were generated, but the conversation focused on structuring user stories and implementation plans.
• Pre-Summary State: The agent was actively working on creating a user story and implementation plan when the token budget was exceeded.
• Operation Context: These commands were executed to facilitate the development of a new feature for applying for a business credit card, aligning with the user's goals for enhancing the application.]

1. Conversation Overview: - Primary Objectives: - "Help me create a user story to add 'apply for business credit card' function." - "Come up with an implementation plan for this user story and create checklist." - "how much do you estimate it would a developer to implement this plan?" - "please delegate implementation of this user story using the implementation plan above and checklist." - Session Context: The conversation has focused on defining a user story for a new feature, creating an implementation plan, estimating developer effort, and delegating the task. - User Intent Evolution: The user started with a request for a user story and moved towards planning and delegating the implementation of that story.

2. Technical Foundation:

• User Story Format: Defined as "As a [who], I want [what], so that [why]."
• Acceptance Criteria: Specific conditions for completion of the user story.
• Out of Scope: Items such as secure forms, PCI compliance, CAPTCHA, CSRF, and accessibility.

3. Codebase Status:

• No specific files or code changes were discussed, but the user story and implementation plan are critical components of the project.

4. Problem Resolution:

• Issues Encountered: None explicitly mentioned, but the user is in the planning phase.
• Solutions Implemented: User story and implementation plan creation.
• Debugging Context: Not applicable at this stage.
• Lessons Learned: Structuring user stories and implementation plans is essential for project clarity.

5. Progress Tracking:

• Completed Tasks: User story creation and acceptance criteria defined.
• Partially Complete Work: Implementation plan and checklist creation, estimation of developer effort, and task delegation.
• Validated Outcomes: None yet, as the implementation phase has not started.

6. Active Work State:

• Current Focus: Creating a user story and implementation plan for the "apply for business credit card" function.
• Recent Context: The user has been defining the user story and requesting an implementation plan.
• Working Code: No specific code snippets were discussed recently.
• Immediate Context: The user was preparing to dele...

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[Copilot]

Pull Request Overview

This PR implements an end-to-end credit card application submission flow for business credit cards, adding both backend API endpoints and a frontend multi-step wizard form with validation and persistence.

• Adds new POST /api/cards/{cardId}/applications endpoint with application status lifecycle management (PENDING → UNDER_REVIEW → APPROVED/REJECTED)
• Implements a 3-step wizard UI (Business Info → Personal Info → Review) with field validation and success confirmation
• Creates complete data model with entity, DTO, repository, service, and controller layers following existing project patterns

Reviewed Changes

Copilot reviewed 10 out of 10 changed files in this pull request and generated 11 comments.

Show a summary per file

File	Description
backend/src/main/java/com/threeriversbank/controller/CreditCardApplicationController.java	New REST controller exposing POST/GET endpoints for application submission and retrieval
backend/src/main/java/com/threeriversbank/service/CreditCardApplicationService.java	Service layer implementing business logic for application processing and DTO/entity conversion
backend/src/main/java/com/threeriversbank/repository/CreditCardApplicationRepository.java	JPA repository with query methods for finding applications by status, email, and card ID
backend/src/main/java/com/threeriversbank/model/entity/CreditCardApplication.java	Entity with 25 fields capturing business and personal information with automatic status/timestamp initialization
backend/src/main/java/com/threeriversbank/model/dto/CreditCardApplicationDto.java	DTO mirroring entity structure for API request/response payload
backend/src/test/java/com/threeriversbank/controller/CreditCardApplicationControllerTest.java	Controller unit tests covering successful submission and invalid card ID scenarios
frontend/src/pages/CardApplicationPage.jsx	New 693-line component implementing multi-step form wizard with validation, stepper navigation, and confirmation screen
frontend/src/pages/CardDetailsPage.jsx	Updated Apply Now button to navigate to application route
frontend/src/App.jsx	Added route configuration for /cards/:id/apply path
README.md	Documentation updates describing the new application feature, endpoints, and entity

[Copilot]

The generic error message doesn't provide helpful information to users. Consider extracting and displaying the actual error message from the API response (e.g., error.response?.data?.message) to give users more specific feedback about what went wrong with their submission.

Suggested change

	setSubmitStatus({
	type: 'error',
	message: 'Failed to submit application. Please try again.',
	const apiErrorMessage =
	error?.response?.data?.message ||
	error?.response?.data?.error ||
	error?.message ||
	'Failed to submit application. Please try again.';
	setSubmitStatus({
	type: 'error',
	message: apiErrorMessage,

[Copilot]

The comment "Last 4 digits or full (encrypted)" is ambiguous about the actual implementation. Based on the PR description and frontend implementation, this field stores only the last 4 digits (unencrypted). The comment should be updated to accurately reflect the implementation, or if full SSNs are intended to be stored, encryption should be implemented. As per the coding guidelines, this is a read-only demo and shouldn't store full sensitive data.

Suggested change

	private String ssn; // Last 4 digits or full (encrypted)
	private String ssn; // Last 4 digits only (never store full SSN; see coding guidelines)

[Copilot]

The dateOfBirth conversion to ISO string will include a timestamp component, but the backend entity uses LocalDateTime which may cause timezone-related issues. The date input field only captures date (no time), so the conversion should explicitly set the time to midnight and consider timezone handling, or the backend should use LocalDate instead of LocalDateTime for the dateOfBirth field to avoid ambiguity.

Suggested change

	dateOfBirth: new Date(formData.dateOfBirth).toISOString(),
	dateOfBirth: `${formData.dateOfBirth}T00:00:00`,

[Copilot]

Error responses return empty bodies, making debugging difficult for clients. When returning BAD_REQUEST or INTERNAL_SERVER_ERROR status codes, consider including an error message in the response body to help clients understand what went wrong. You could create an error DTO or use Spring's @ControllerAdvice with @ExceptionHandler for consistent error responses across all endpoints.

[Copilot]

Missing input validation for the request body. The controller should use @Valid annotation on the @RequestBody parameter to ensure Spring's validation framework validates the DTO fields. Consider adding validation annotations (like @NotNull, @NotBlank, @Email, etc.) to CreditCardApplicationDto fields and use @Valid here to enforce validation before processing the application.

[Copilot]

The SSN validation message is misleading. The field label says "SSN (Last 4 Digits)" and the placeholder shows "****1234", but the error message says "Required (last 4 digits)" which is redundant with the label. Consider simplifying the error to just "Required" to match the pattern used for other required fields, or add actual validation to ensure exactly 4 digits are entered.

Suggested change

	if (!formData.ssn.trim()) newErrors.ssn = 'Required (last 4 digits)';
	if (!formData.ssn.trim()) {
	newErrors.ssn = 'Required';
	} else if (!/^\d{4}$/.test(formData.ssn.trim())) {
	newErrors.ssn = 'Must be exactly 4 digits';
	}

[Copilot]

The cardId path variable is not validated or used in the method. The method fetches an application by applicationId alone without verifying that it belongs to the specified cardId. This could allow clients to access applications through any card ID path. Either validate that the application belongs to the specified card, or remove the unnecessary cardId from this endpoint's path since it's not used.

Suggested change

	return applicationService.getApplicationById(applicationId)
	return applicationService.getApplicationById(applicationId)
	.filter(app -> app.getCardId().equals(cardId))

[Copilot]

Email validation uses a simple regex pattern that may accept invalid email formats. Consider using a more robust email validation pattern or a validation library. Additionally, other fields like phone numbers, ZIP codes, tax IDs, and SSN (last 4 digits) lack format validation despite having placeholder text suggesting specific formats. This could lead to inconsistent data storage.

[Copilot]

Missing API documentation annotations. The other controller in the project (CreditCardController) uses @Operation and @Tag annotations from Swagger/OpenAPI for API documentation. This controller should follow the same pattern for consistency and to ensure the new endpoints appear in the API documentation.

[Copilot]

Incorrect usage of InputProps.startAdornment. The startAdornment prop expects an InputAdornment component, not a plain string. This should be:

InputProps={{
  startAdornment: <InputAdornment position="start">$</InputAdornment>
}}

You'll also need to import InputAdornment from @mui/material. The same issue exists on line 388.