avoid increasing due beyond payin minimum when cards fail

[rohitpaulk]

If a ~user has a $5 tip set up to a team, and their card is failing - we won't charge them again until the card is updated, but we will be adding to their dues every week. If the user updates their card a year later, that's a $260 charge.

This should be clearly communicated to users - #3817 is step 1. Adding this to the documentation wherever relevant is step 2.

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[rohitpaulk]

I just realized that canceling a subscription won't erase the dues - fixed in #3819

[chadwhitacre]

We should never increase dues beyond the minimum charge. If they reach the minimum charge and then their card fails, we should stop adding to due. If/when they fix their card we should charge the minimum at that point. We don't want $260 surprises!

[mattbk]

Nice catch.

[chadwhitacre]

@rohitpaulk Why do we have Review on this one?

[chadwhitacre]

Done with #3981. !m @rohitpaulk 💃