refactor: 首页去掉用户信息卡片+金额区重设计

- 注释掉info-box（用户名/邮箱/认证已在账户页）
- 用三张finance-card替换statistics-box+圆形图表
- 余额卡片含充值按钮，本月消费含同比变化标签
- 信用额度保留为独立卡片
- 移除多余的div闭合标签

clientarea/hgcloud/css/home.css

@@ -5,6 +5,130 @@
   max-width: none;
   background: transparent;
 }
+
+/* ====== 金融指标卡片 ====== */
+.finance-cards {
+  display: grid;
+  grid-template-columns: repeat(3, 1fr);
+  gap: 16px;
+  margin-bottom: 20px;
+}
+.credit-extra {
+  margin-bottom: 20px;
+}
+.finance-card {
+  background: #FFFFFF;
+  border-radius: 12px;
+  padding: 20px 24px;
+  border: 1px solid #E5E7EB;
+  transition: box-shadow .2s, transform .2s;
+}
+.finance-card:hover {
+  box-shadow: 0 4px 16px rgba(0, 0, 0, .06);
+  transform: translateY(-2px);
+}
+.finance-card-header {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  margin-bottom: 14px;
+}
+.finance-icon-wrap {
+  width: 36px;
+  height: 36px;
+  border-radius: 10px;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  font-size: 18px;
+}
+.finance-icon-wrap.balance-icon {
+  background: linear-gradient(135deg, #E0EAFF, #C7D7FE);
+  color: #3B5DFF;
+}
+.finance-icon-wrap.month-icon {
+  background: linear-gradient(135deg, #D1FAE5, #A7F3D0);
+  color: #059669;
+}
+.finance-icon-wrap.total-icon {
+  background: linear-gradient(135deg, #FEF3C7, #FDE68A);
+  color: #D97706;
+}
+.finance-icon-wrap.credit-icon {
+  background: linear-gradient(135deg, #E0E7FF, #C7D2FE);
+  color: #6366F1;
+}
+.finance-label {
+  font-size: 13px;
+  color: #6B7280;
+  font-weight: 500;
+}
+.finance-value {
+  font-size: 28px;
+  font-weight: 700;
+  color: #111827;
+  line-height: 1.2;
+  margin-bottom: 12px;
+  letter-spacing: -0.5px;
+}
+.finance-card-footer {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  min-height: 24px;
+}
+.finance-card-footer .recharge-btn {
+  cursor: pointer;
+  padding: 4px 14px;
+  font-size: 12px;
+  font-weight: 500;
+  color: #fff;
+  background: var(--color-primary, #3B5DFF);
+  border-radius: 6px;
+  transition: opacity .2s;
+}
+.finance-card-footer .recharge-btn:hover {
+  opacity: .85;
+}
+.finance-card-footer .voucher-link {
+  font-size: 12px;
+  color: #9CA3AF;
+}
+.percent-badge {
+  display: inline-flex;
+  align-items: center;
+  padding: 2px 8px;
+  border-radius: 20px;
+  font-size: 12px;
+  font-weight: 600;
+}
+.percent-badge.green {
+  background: #D1FAE5;
+  color: #059669;
+}
+.percent-badge.red {
+  background: #FEE2E2;
+  color: #DC2626;
+}
+.vs-text {
+  font-size: 12px;
+  color: #9CA3AF;
+}
+.total-sub-text {
+  font-size: 12px;
+  color: #9CA3AF;
+}
+.credit-status-tag {
+  font-size: 11px;
+  padding: 2px 8px;
+  border-radius: 4px;
+  background: #F3F4F6;
+  color: #6B7280;
+}
+.credit-status-tag.active {
+  background: #D1FAE5;
+  color: #059669;
+}
 .main-content {
   display: flex;
   gap: 20px;