Improve filter payment methods tag rule specs' performance

spec/factories/tag_rule_factory.rb

@@ -12,7 +12,7 @@ FactoryBot.define do
   end
 
   factory :filter_payment_methods_tag_rule, class: TagRule::FilterPaymentMethods do
-    enterprise { FactoryBot.create :distributor_enterprise }
+    enterprise factory: :distributor_enterprise
   end
 
   factory :tag_rule, class: TagRule::DiscountOrder do

spec/models/tag_rule/filter_payment_methods_spec.rb

@@ -1,7 +1,7 @@
 require 'spec_helper'
 
 describe TagRule::FilterPaymentMethods, type: :model do
-  let!(:tag_rule) { create(:filter_payment_methods_tag_rule) }
+  let!(:tag_rule) { build_stubbed(:filter_payment_methods_tag_rule) }
 
   describe "determining whether tags match for a given payment method" do
     context "when the payment method is nil" do