Waive credit card validation if project has paid CI/CD minutes

Previously users working on a namespace on a free plan would generally
be required to add a credit card if they use shared runners. However,
free namespaces are not really free if the owner pays for add-on CI/CD
minutes. In these instances, we should treat these namespaces as we do
with Ultimate/Premium and not require credit card validation for users
who use them.

Relates to https://gitlab.com/gitlab-org/gitlab/-/issues/349835

Changelog: fixed
EE: true

config/feature_flags/development/ci_skip_require_credit_card_for_addon_ci_minutes.yml

+---
+name: ci_skip_require_credit_card_for_addon_ci_minutes
+introduced_by_url: https://gitlab.com/gitlab-org/gitlab/-/merge_requests/77829
+rollout_issue_url: https://gitlab.com/gitlab-org/gitlab/-/issues/349841
+milestone: '14.7'
+type: development
+group: group::fulfillment
+default_enabled: false

ee/app/models/ee/namespace.rb

@@ -267,7 +267,9 @@ module EE
     end
 
     def ci_minutes_quota
-      @ci_minutes_quota ||= ::Ci::Minutes::Quota.new(self)
+      strong_memoize(:ci_minutes_quota) do
+        ::Ci::Minutes::Quota.new(self)
+      end
     end
 
     def new_monthly_ci_minutes_enabled?

ee/app/models/ee/user.rb

@@ -473,6 +473,10 @@ module EE
       return false unless created_after_credit_card_release_day?(project)
 
       root_namespace = project.root_namespace
+      ci_quota = root_namespace.ci_minutes_quota
+
+      return false if ci_quota.enabled? && ci_quota.limit.any_purchased? && ::Feature.enabled?(:ci_skip_require_credit_card_for_addon_ci_minutes, project, default_enabled: :yaml)
+
       if root_namespace.free_plan?
         ::Feature.enabled?(:ci_require_credit_card_on_free_plan, project, default_enabled: :yaml)
       elsif root_namespace.trial?