-- Add deletedAt for user-initiated soft delete (isActive remains for admin deactivation)
ALTER TABLE `savedcard` ADD COLUMN `deletedAt` DATETIME(3) NULL;

-- Replace the old (billingAccountId, isActive) index with (billingAccountId, isActive, deletedAt)
DROP INDEX `savedcard_billingAccountId_isActive_idx` ON `savedcard`;
CREATE INDEX `savedcard_billingAccountId_isActive_deletedAt_idx` ON `savedcard`(`billingAccountId`, `isActive`, `deletedAt`);