improvement(billing): immediately charge for plan upgrades #3664

Bugbot Review

Bugbot Analysis Progress (8m 25s elapsed)

✅ Gathered PR context (2s)
✅ Completed bug detection (8m 19s)
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Final Result: Bugbot completed review and found 1 potential issue.

Request ID: serverGenReqId_198c553f-fa3e-4e4b-8dd0-e84c8fd46b45

Cursor Bugbot has reviewed your changes and found 1 potential issue.

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