Switching is not automatic balance conversion.
- Existing SMS credits (Credit) or wallet money (Wallet) must be cleared first.
- Admin must confirm Nil existing balance before switching.
- After switch:
- Credit → Wallet: configure Wallet tab (currency, limits, reorder point).
- Wallet → Credit: configure SMS Attributes (billing type, limits if post-paid).
- Allowed Products changes:
- Credit: only SMS can be enabled.
- Wallet: SMS + other products can be enabled.
- Parent user must hold the same credit type.
