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[UBP] Free tier Balance Used and Usage page do not show correct credits used  #14363

@jldec

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@jldec

The personal and team billing pages both show a progress indicator for "Balance Used" with actual usage against the usage limit.

The usage detail page (for individuals and teams) both show a similar total credits used for the current period.

These indicators should derive their "credits used" value from credits used since the last invoice/reset, instead of assuming a calendar billing cycle.

The calculation should mirror the logic used to compute "credits used" to show the usage limit 80% or limit exceeded notifications and prevent workspace starts.

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