refactor(api/user): saveEmployee 中银行卡列表改走 mapBankCardList 映射

- 之前 payload.bankCardList 直接置空数组，会丢掉卡片信息
- 现在经 mapBankCardList(p, accountName) 统一补齐开户人/默认卡标记后再下发

src/api/user.js

@@ -1,6 +1,10 @@
-import { fetchUserDetail, getApiBaseUrl, getServerConfig, request } from "@/utils/auth";
+import {
+  fetchUserDetail,
+  getApiBaseUrl,
+  getServerConfig,
+  request,
+} from "@/utils/auth";
 import { getCurrentUser, getLoginUser, saveCurrentUser } from "@/utils/storage";
-
 function isServerMode() {
   return getServerConfig().mode === "server";
 }
@@ -76,13 +80,13 @@ export async function saveEmployee(payload = {}) {
   if ("phone" in payload) body.phone = payload.phone;
   if ("maritalStatus" in payload) body.maritalStatus = payload.maritalStatus;
   if ("secondLinkName" in payload) body.secondLinkName = payload.secondLinkName;
-  if ("secondLinkPhone" in payload) body.secondLinkPhone = payload.secondLinkPhone;
+  if ("secondLinkPhone" in payload)
+    body.secondLinkPhone = payload.secondLinkPhone;
   if ("secondLinkRelation" in payload)
     body.secondLinkRelation = payload.secondLinkRelation;
   if (Array.isArray(payload.bankCardList)) {
-    body.bankCardList = [];
+    body.bankCardList = mapBankCardList(payload.bankCardList, accountName);
   }
-  // payload 里如果带了空数组：保持原语义（清空）；不带或非数组：根本不传，由后端按"未传"语义处理
 
   if (!isServerMode()) {
     await new Promise((r) => setTimeout(r, 250));