Adds condition to set Stripe.api key

Updates spec accordingly

config/initializers/stripe.rb

@@ -12,6 +12,7 @@ end
 
 Rails.application.reloader.to_prepare do
   Stripe.api_key = ENV['STRIPE_INSTANCE_SECRET_KEY']
+  Stripe.api_key = ENV['STRIPE_SECRET_TEST_API_KEY'] if Rails.env.test? || ENV["CI"]
   Stripe.publishable_key = ENV['STRIPE_INSTANCE_PUBLISHABLE_KEY']
   Stripe.client_id = ENV['STRIPE_CLIENT_ID']
   Stripe.endpoint_secret = ENV['STRIPE_ENDPOINT_SECRET']

spec/lib/stripe/credit_card_remover_spec.rb

@@ -4,16 +4,12 @@ require 'spec_helper'
 require 'stripe/credit_card_remover'
 
 describe Stripe::CreditCardRemover do
-  let!(:secret) { ENV.fetch('STRIPE_SECRET_TEST_API_KEY', nil) }
-
   let(:credit_card) { create(:credit_card, gateway_payment_profile_id: pm_card.id, user:) }
 
   let!(:user) { create(:user, email: "apple.customer@example.com") }
   let!(:enterprise) { create(:enterprise) }
 
   describe "#remove", :vcr, :stripe_version do
-    before { Stripe.api_key = secret }
-
     let(:stripe_account_id) { ENV.fetch('STRIPE_ACCOUNT', nil) }
 
     let(:stripe_account) {