feat(wallet): enforce club membership validation for wallet charge operations

- Added club membership inclusion in user retrieval for ChargeCreditWallet and VerifyCreditWalletCharge command handlers.
- Implemented validation to ensure users have an active club membership before allowing wallet charges, throwing a BadRequestException if not.
- Updated UserWalletService to handle BadRequestException and return appropriate error messages in responses.

src/CMSMicroservice.WebApi/Services/UserWalletService.cs

@@ -277,6 +277,14 @@ public class UserWalletService : UserWalletContract.UserWalletContractBase
                 ErrorMessage = ex.Message
             };
         }
+        catch (BadRequestException ex)
+        {
+            return new InitiateCreditChargeResponse
+            {
+                IsSuccess = false,
+                ErrorMessage = ex.Message
+            };
+        }
     }
 
     // ============= Wallet Verify Methods =============