fix: credit balance issues (#21904)

* fix creating user balance

* fix org check if teamId is given

* adjust hasAvailableCredits function

* improve comments

* fix creditBalance.create

* adjust test

---------

Co-authored-by: CarinaWolli <wollencarina@gmail.com>

apps/web/pages/api/twilio/webhook.ts

@@ -121,7 +121,7 @@ async function handler(req: NextApiRequest, res: NextApiResponse) {
 
   if (!orgId) {
     orgId = await getOrgIdFromMemberOrTeamId({
-      memberId: parsedUserId,
+      ...(!parsedTeamId ? { memberId: parsedUserId } : {}),
       teamId: parsedTeamId,
     });
   }