fix(auth,bank): guard switch-auth nav and surface banking retry

AuthForm disables the switch-auth Link while submit is pending so pointer
click and Enter can no longer leave the auth route and lose the draft/error
context. The form restores a true Link after the request settles.

CardsPage/CardPage distinguish cold vs cached banking failures:
- cold card/section errors expose accessible alert + retry
- cached failures keep the previous data and offer a section GET retry
- summary-only/history-only outages do not hide successful sections
- notFound still skips the retry CTA

Tests cover the pending link guard, cold/cached cards error with retry,
summary failure with retry, and the prerequisite card list recovery.

Closes #56, #57

src/pages/card/ui/CardPage/CardHistory.view.tsx

@@ -17,6 +17,7 @@ import { useTranslation } from "react-i18next";
 import { Link } from "react-router";
 
 import {
+	BankFeedback,
 	bankOperationAppearance,
 } from "@/entities/bank-card";
 
@@ -108,6 +109,17 @@ const CardHistory: FC<CardHistoryProps> = (props) => {
 		return <Text>{t("bank.noOperations")}</Text>;
 	}
 
+	if (vm.history.error) {
+		return (
+			<BankFeedback
+				cached={Boolean(vm.rows)}
+				error={vm.history.error}
+				loadingError={!vm.rows}
+				retry={vm.history.refetch}
+			/>
+		);
+	}
+
 	if (vm.history.loading) {
 		return (
 			<LoadingSkeleton label={t("bank.loadingHistory")}>

src/pages/card/ui/CardPage/CardPage.test.tsx

@@ -316,12 +316,47 @@ describe("CardPage", () => {
 		setup({ summaryError: true });
 		await screen.findByRole("heading", { name: "Повседневная" });
 		expect(
-			screen.queryByRole("alert"),
-		).not.toBeInTheDocument();
+			await screen.findByText("Перевод на «Запасная»"),
+		).toBeInTheDocument();
+		expect(await screen.findByRole("alert", {}, { timeout: 5000 })).toHaveTextContent(
+			"Не удалось загрузить данные карт.",
+		);
+		expect(screen.queryByText("0 ₽")).not.toBeInTheDocument();
+	});
+
+	it("recovers summary with retry while keeping card and journal", async () => {
+		const { summaryRequests } = setup({ summaryError: true });
+		await screen.findByRole("heading", { name: "Повседневная" });
 		expect(
 			await screen.findByText("Перевод на «Запасная»"),
 		).toBeInTheDocument();
-		expect(screen.queryByText("0 ₽")).not.toBeInTheDocument();
+
+		const retry = await screen.findByRole(
+			"button",
+			{ name: "Повторить" },
+			{ timeout: 5000 },
+		);
+
+		const requestsBefore = summaryRequests.length;
+		server.use(
+			http.get("*/api/v1/bank-cards/summary", ({ request }) => {
+				summaryRequests.push(new URL(request.url).search);
+
+				return HttpResponse.json({
+					cardId: "a",
+					categories: [],
+					expenses: money("0"),
+					net: money("-50"),
+					refunds: money("50"),
+				});
+			}),
+		);
+		fireEvent.click(retry);
+
+		await waitFor(() =>
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument(),
+		);
+		expect(summaryRequests).toHaveLength(requestsBefore + 1);
 	});
 	it("keeps cached card and history after refetch failure", async () => {
 		const { client } = setup();
@@ -331,9 +366,8 @@ describe("CardPage", () => {
 			http.get("*/api/v1/bank-cards/a/operations", () => HttpResponse.error()),
 		);
 		await client.invalidateQueries();
-		await waitFor(() => {
-			expect(screen.queryByRole("alert")).not.toBeInTheDocument();
-		});
+		const alerts = await screen.findAllByRole("alert", {}, { timeout: 5000 });
+		expect(alerts.length).toBeGreaterThanOrEqual(1);
 		expect(
 			screen.getByRole("heading", { name: "Повседневная" }),
 		).toBeInTheDocument();
@@ -401,11 +435,11 @@ describe("CardPage", () => {
 		]);
 	});
 	it("recovers the prerequisite card list while preserving the visible balance and journal", async () => {
-		setup({ cardsError: true });
+		const { client } = setup({ cardsError: true });
 		await screen.findByText("Перевод на «Запасная»");
 		expect(
-			screen.queryByRole("alert"),
-		).not.toBeInTheDocument();
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
+		).toHaveTextContent("Не удалось загрузить данные карт.");
 		expect(
 			screen.getByRole("button", { name: "Добавить операцию" }),
 		).toBeDisabled();
@@ -414,6 +448,7 @@ describe("CardPage", () => {
 				HttpResponse.json([card, { ...card, id: "b", name: "Запасная" }]),
 			),
 		);
+		await client.invalidateQueries();
 		await waitFor(() =>
 			expect(
 				screen.getByRole("button", { name: "Добавить операцию" }),

src/pages/card/ui/CardPage/CardPage.view.tsx

@@ -75,6 +75,11 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 							{t("bank.back")}
 						</Button>
 
+						{!vm.notFound && (
+							<Button onClick={vm.cardRetry} variant="default">
+								{t("bank.retry")}
+							</Button>
+						)}
 					</Group>
 				)}
 				error
@@ -128,18 +133,27 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 				)}
 
 				{card.archivedAt && <Text>{t("bank.archiveHint")}</Text>}
+
+				{vm.cardError && vm.card && (
+					<BankFeedback
+						cached
+						error={vm.cardError}
+						retry={vm.cardRetry}
+					/>
+				)}
 			</Stack>
 
 			{vm.cardsFeedback && (
 				<BankFeedback
 					{...vm.cardsFeedback}
 					loadingError
+					retry={vm.cardsRetry}
 				/>
 			)}
 
 			<BankPeriodPicker onChange={vm.setPeriod} period={vm.period} />
 
-			<BankSummaryView {...vm.summary} />
+			<BankSummaryView {...vm.summary} retry={vm.summary.refetch} />
 
 			<Group align="end" justify="space-between">
 				<Group gap="xs">
@@ -183,8 +197,6 @@ const CardPageView: FC<CardPageViewProps> = (props) => {
 				<CardHistory history={vm.history} period={vm.period} rows={vm.rows} />
 			</Stack>
 
-			{vm.history.error && !vm.rows && <Text role="alert">{t("bank.error")}</Text>}
-
 			{vm.history.page !== undefined && vm.pageSize !== "all" && (
 				<Group
 					aria-label={t("bank.pagination")}

src/pages/card/ui/CardPage/CardPage.vm.ts

@@ -97,13 +97,16 @@ function useCardPageVm() {
 		archivePending: updateCard.isPending,
 		canAddOperation: !card.data?.archivedAt && Boolean(cards.data),
 		card: card.data,
+		cardError: card.error,
 		cardLoading: card.isLoading,
 		cardRefreshError: card.isError,
 		cardRefreshing: card.isFetching,
+		cardRetry: () => card.refetch(),
 		cards: cards.data,
 		cardsFeedback: cards.isError
 			? { cached: Boolean(cards.data), error: cards.error }
 			: undefined,
+		cardsRetry: () => cards.refetch(),
 		closeDeletion: () => setDeleting(null),
 		closeEditing: () => setEditingCard(false),
 		closeOperation: () => setOperation(null),
@@ -112,9 +115,10 @@ function useCardPageVm() {
 		editingCard,
 		history: {
 			changingPage: history.isPlaceholderData,
-			error: history.isError,
+			error: history.error,
 			loading: history.isLoading,
 			page: history.data?.page,
+			refetch: () => history.refetch(),
 		},
 		notFound: isApiErrorCode(
 			apiErrorCode(card.error),
@@ -139,9 +143,10 @@ function useCardPageVm() {
 		},
 		summary: {
 			data: summary.data,
-			error: summary.isError,
+			error: summary.error,
 			fetching: summary.isFetching,
 			loading: summary.isLoading,
+			refetch: () => summary.refetch(),
 		},
 		toggleArchive: () => {
 			if (!card.data) return;

src/pages/cards/ui/CardsPage/CardsPage.test.tsx

@@ -47,8 +47,9 @@ function renderCards(isFail = false, hasCategoryFailure = false) {
 		),
 	);
 
-	return render(
-		<QueryClientProvider client={createTestQueryClient()}>
+	const client = createTestQueryClient();
+	render(
+		<QueryClientProvider client={client}>
 			<MantineProvider env="test">
 				<MemoryRouter initialEntries={["/cards?month=2026-09"]}>
 					<CardsPage />
@@ -56,6 +57,8 @@ function renderCards(isFail = false, hasCategoryFailure = false) {
 			</MantineProvider>
 		</QueryClientProvider>,
 	);
+
+	return client;
 }
 
 describe("CardsPage", () => {
@@ -232,4 +235,76 @@ describe("CardsPage", () => {
 		});
 		expect(screen.queryByRole("alert")).not.toBeInTheDocument();
 	});
+
+	it("shows a cold cards error with retry", async () => {
+		renderCards(true);
+
+		expect(
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
+		).toHaveTextContent("Не удалось загрузить данные карт.");
+		expect(
+			screen.getByRole("button", { name: "Повторить" }),
+		).toBeInTheDocument();
+
+		server.use(
+			http.get("*/api/v1/bank-cards", () =>
+				HttpResponse.json([
+					{
+						archivedAt: null,
+						balance: money("10000"),
+						bankName: null,
+						id: "a",
+						lastFour: null,
+						name: "Повседневная",
+						openingBalance: money("10000"),
+						openingDate: "2026-01-01",
+						version: 1,
+					},
+				]),
+			),
+		);
+		fireEvent.click(screen.getByRole("button", { name: "Повторить" }));
+
+		await waitFor(() =>
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument(),
+		);
+		expect(
+			screen.getByRole("link", { name: /Повседневная/ }),
+		).toBeInTheDocument();
+	});
+
+	it("shows a cached cards error while keeping the grid", async () => {
+		const view = renderCards();
+
+		await screen.findByRole("heading", { name: "Добавьте первую карту" });
+		server.use(
+			http.get("*/api/v1/bank-cards", () =>
+				HttpResponse.json([
+					{
+						archivedAt: null,
+						balance: money("10000"),
+						bankName: null,
+						id: "a",
+						lastFour: null,
+						name: "Повседневная",
+						openingBalance: money("10000"),
+						openingDate: "2026-01-01",
+						version: 1,
+					},
+				]),
+			),
+		);
+		await view.invalidateQueries();
+		await screen.findByRole("link", { name: /Повседневная/ });
+
+		server.use(http.get("*/api/v1/bank-cards", () => HttpResponse.error()));
+		await view.invalidateQueries();
+
+		expect(
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
+		).toHaveTextContent("Не удалось обновить данные. Показаны последние полученные.");
+		expect(
+			screen.getByRole("link", { name: /Повседневная/ }),
+		).toBeInTheDocument();
+	});
 });

src/pages/cards/ui/CardsPage/CardsPage.view.tsx

@@ -18,6 +18,7 @@ import { Link } from "react-router";
 
 import {
 	BankCardFace,
+	BankFeedback,
 	BankPeriodPicker,
 	BankSummaryView,
 } from "@/entities/bank-card";
@@ -51,15 +52,17 @@ const CardsPageViewCards: FC<CardsPageViewProps> = (props) => {
 			);
 		}
 
-		const text = t(vm.archive ? "bank.emptyHint" : "bank.noActive");
+		if (!vm.cards.error) {
+			const text = t(vm.archive ? "bank.emptyHint" : "bank.noActive");
 
-		return (
-			<StateView
-				action={<Button onClick={vm.onAddCard}>{t("bank.addCard")}</Button>}
-				text={text}
-				title={t("bank.empty")}
-			/>
-		);
+			return (
+				<StateView
+					action={<Button onClick={vm.onAddCard}>{t("bank.addCard")}</Button>}
+					text={text}
+					title={t("bank.empty")}
+				/>
+			);
+		}
 	}
 
 	if (vm.cards.isLoading) {
@@ -103,6 +106,15 @@ const CardsPageView: FC<CardsPageViewProps> = (props) => {
 				onChange={vm.onArchiveChange}
 			/>
 
+			{vm.cards.error && (
+				<BankFeedback
+					cached={Boolean(vm.cards.data)}
+					error={vm.cards.error}
+					loadingError={!vm.cards.data}
+					retry={vm.retryCards}
+				/>
+			)}
+
 			<CardsPageViewCards {...props} />
 
 			<Group align="flex-end" justify="space-between">
@@ -123,9 +135,10 @@ const CardsPageView: FC<CardsPageViewProps> = (props) => {
 			<BankSummaryView
 				all
 				data={vm.summary.data}
-				error={vm.summary.isError}
+				error={vm.summary.error}
 				fetching={vm.summary.isFetching}
 				loading={vm.summary.isLoading}
+				retry={vm.retrySummary}
 			/>
 		</Stack>
 	);

src/pages/cards/ui/CardsPage/CardsPage.vm.ts

@@ -39,6 +39,8 @@ function useCardsPageVm() {
 			setArchive(event.currentTarget.checked),
 		onCategories: () => setManagingCategories(true),
 		period,
+		retryCards: () => cards.refetch(),
+		retrySummary: () => summary.refetch(),
 		setPeriod: (value: [null | string, null | string]) => {
 			if (value[0] && value[1]) setParameters({ from: value[0], to: value[1] });
 		},