Make only reusable credit cards the default card

https://github.com/openfoodfoundation/openfoodnetwork/issues/3727

When a user didn't have a default credit card and then checked out with
a credit card it became the default even when the user didn't intend to
store it. That lead to subscriptions trying to charge a one-time card
which fails.

app/models/spree/credit_card_decorator.rb

@@ -31,13 +31,17 @@ Spree::CreditCard.class_eval do
 
   private
 
+  def reusable?
+    gateway_customer_profile_id.present?
+  end
+
   def default_missing?
     !user.credit_cards.exists?(is_default: true)
   end
 
   def ensure_single_default_card
     return unless user
-    return unless is_default? || default_missing?
+    return unless is_default? || (reusable? && default_missing?)
     user.credit_cards.update_all(['is_default=(id=?)', id])
     self.is_default = true
   end

spec/models/spree/credit_card_spec.rb

@@ -4,15 +4,27 @@ module Spree
   describe CreditCard do
     describe "setting default credit card for a user" do
       let(:user) { create(:user) }
+      let(:onetime_card_attrs) do
+        {user: user, gateway_payment_profile_id: "tok_1EY..."}
+      end
+      let(:stored_card_attrs) do
+        {
+          user: user,
+          gateway_customer_profile_id: "cus_F2T...",
+          gateway_payment_profile_id: "card_1EY..."
+        }
+      end
+      let(:stored_default_card_attrs) do
+        stored_card_attrs.merge(is_default: true)
+      end
 
       context "when a card is already set as the default" do
-        let!(:card1) { create(:credit_card, user: user, is_default: true) }
+        let!(:card1) { create(:credit_card, stored_default_card_attrs) }
 
         context "and I create a new card" do
-          let(:attrs) { { user: user } }
-          let!(:card2) { create(:credit_card, attrs) }
-
           context "without specifying it as the default" do
+            let!(:card2) { create(:credit_card, stored_card_attrs) }
+
             it "keeps the existing default" do
               expect(card1.reload.is_default).to be true
               expect(card2.reload.is_default).to be false
@@ -20,7 +32,7 @@ module Spree
           end
 
           context "and I specify it as the default" do
-            let(:attrs) { { user: user, is_default: true } }
+            let!(:card2) { create(:credit_card, stored_default_card_attrs) }
 
             it "switches the default to the new card" do
               expect(card1.reload.is_default).to be false
@@ -30,24 +42,21 @@ module Spree
         end
 
         context "and I update another card" do
-          let(:attrs) { { user: user } }
           let!(:card2) { create(:credit_card, user: user) }
 
-          before do
-            card2.update_attributes!(attrs)
-          end
-
           context "without specifying it as the default" do
             it "keeps the existing default" do
+              card2.update_attributes!(stored_card_attrs)
+
               expect(card1.reload.is_default).to be true
               expect(card2.reload.is_default).to be false
             end
           end
 
           context "and I specify it as the default" do
-            let(:attrs) { { user: user, is_default: true } }
-
             it "switches the default to the updated card" do
+              card2.update_attributes!(stored_default_card_attrs)
+
               expect(card1.reload.is_default).to be false
               expect(card2.reload.is_default).to be true
             end
@@ -57,23 +66,30 @@ module Spree
 
       context "when no card is currently set as the default for a user" do
         context "and I create a new card" do
-          let(:attrs) { { user: user } }
-          let!(:card1) { create(:credit_card, attrs) }
-
           context "without specifying it as the default" do
+            let!(:card1) { create(:credit_card, stored_card_attrs) }
+
             it "sets it as the default anyway" do
               expect(card1.reload.is_default).to be true
             end
           end
 
           context "and I specify it as the default" do
-            let(:attrs) { { user: user, is_default: true } }
+            let!(:card1) { create(:credit_card, stored_default_card_attrs) }
 
             it "sets it as the default" do
               expect(card1.reload.is_default).to be true
             end
           end
         end
+
+        context "and the checkout creates a one-time-use card" do
+          let!(:card1) { create(:credit_card, onetime_card_attrs) }
+
+          it "sets it as the default anyway" do
+            expect(card1.reload.is_default).to be false
+          end
+        end
       end
     end
   end