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/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] });
 		},