refactor: simplify calendar and form state

src/entities/bank-card/model/form-validation.ts

@@ -1,3 +1,5 @@
+import { moscowDate } from "@/shared/lib";
+
 const DECIMAL_PART_COUNT = 2;
 const CENTS_PRECISION = 2;
 
@@ -21,12 +23,7 @@ function bankMonth(value: null | string) {
 }
 
 function bankToday() {
-	return new Intl.DateTimeFormat("en-CA", {
-		day: "2-digit",
-		month: "2-digit",
-		timeZone: "Europe/Moscow",
-		year: "numeric",
-	}).format(new Date());
+	return moscowDate(new Date());
 }
 
 function moneyCents(value: string): bigint | null {