[Due for payment 2026-03-30] [Home Page][Fix] Payment Card showing for users who don't need to pay

[grgia]

See https://expensify.slack.com/archives/C07HPDRELLD/p1772658998159109

Trial banner/countdown shows after deleting trial workspace (account has paid workspaces), for grandfathered users

Problem

• Upgraded to Collect via #migrate.
• Deleted the upgraded workspace immediately.
• Account is now shown as being on a trial with a countdown in home
• This is odd because the user is still a member/owner of other paid workspaces.
• In at least one case, the account shows the banner without any active trial fields (e.g. no lastDayFreeTrial), suggesting stale/incorrect trial state.

Expected

• No trial banner/countdown if there is no active trial or the account is not the owner of a workspace that needs a billing card

Actual

• Trial banner/countdown persists after deleting the trial workspace.

Notes

• trialEndDate appears to be account-level; logic likely needs a tighter “active trial exists” check (not just trialEndDate present/past).

Issue Owner

Current Issue Owner: @ZhenjaHorbach

Issue Owner

Current Issue Owner: @mallenexpensify

[grgia]

PR in final review

[melvin-bot]

@grgia Whoops! This issue is 2 days overdue. Let's get this updated quick!

[melvin-bot]

⚠️ Looks like this issue was linked to a Deploy Blocker here

If you are the assigned CME please investigate whether the linked PR caused a regression and leave a comment with the results.

If a regression has occurred and you are the assigned CM follow the instructions here.

If this regression could have been avoided please consider also proposing a recommendation to the PR checklist so that we can avoid it in the future.

[jponikarchuk]

Deploy Blocker #85748 was identified to be related to the PR #84404 that attempted to fix this issue.