Improve readability of specs table for credit card requirement

Make table more compact for better readability

ee/spec/models/ee/user_spec.rb

@@ -1683,31 +1683,29 @@ RSpec.describe User do
 
     using RSpec::Parameterized::TableSyntax
 
-    where(:saas, :cc_present, :shared_runners, :is_free, :is_trial, :free_ff_enabled, :trial_ff_enabled, :old_users_ff_enabled, :days_from_release, :result, :description) do
+    where(:saas, :cc_present, :shared_runners, :plan, :feature_flags, :days_from_release, :result, :description) do
       # self-hosted
-      nil   | false | :enabled | false | false | true  | true  | false | 0  | true  | 'self-hosted paid plan'
-      nil   | false | :enabled | false | true  | true  | true  | false | 0  | true  | 'self-hosted missing CC on trial plan'
+      nil   | false | :enabled | :paid  | %i[free trial]           | 0  | true  | 'self-hosted paid plan'
+      nil   | false | :enabled | :trial | %i[free trial]           | 0  | true  | 'self-hosted missing CC on trial plan'
 
       # saas
-      :saas | false | :enabled | false | false | true  | true  | false | 0  | true  | 'missing CC on paid plan'
-
-      # free plan
-      :saas | false | :enabled | true  | false | true  | true  | false | 0  | false | 'missing CC on free plan'
-      :saas | false | nil      | true  | false | true  | true  | false | 0  | true  | 'missing CC on free plan and shared runners disabled'
-      :saas | false | :enabled | true  | false | true  | true  | false | -1 | true  | 'missing CC on free plan but old user'
-      :saas | false | :enabled | true  | false | true  | true  | true  | -1 | false | 'missing CC on free plan but old user and FF enabled'
-      :saas | false | nil      | true  | false | true  | true  | true  | -1 | true  | 'missing CC on free plan but old user and FF enabled and shared runners disabled'
-      :saas | true  | :enabled | true  | false | true  | true  | false | 0  | true  | 'present CC on free plan'
-      :saas | false | :enabled | true  | false | false | true  | false | 0  | true  | 'missing CC on free plan - FF off'
-
-      # trial plan
-      :saas | false | :enabled | false | true  | true  | true  | false | 0  | false | 'missing CC on trial plan'
-      :saas | false | nil      | false | true  | true  | true  | false | 0  | true  | 'missing CC on trial plan and shared runners disabled'
-      :saas | false | :enabled | false | true  | true  | true  | false | -1 | true  | 'missing CC on trial plan but old user'
-      :saas | false | :enabled | false | true  | true  | true  | true  | -1 | false | 'missing CC on trial plan but old user and FF enabled'
-      :saas | false | nil      | false | true  | true  | true  | true  | -1 | true  | 'missing CC on trial plan but old user and FF enabled and shared runners disabled'
-      :saas | false | :enabled | false | true  | true  | false | false | 0  | true  | 'missing CC on trial plan - FF off'
-      :saas | true  | :enabled | false | true  | true  | true  | false | 0  | true  | 'present CC on trial plan'
+      :saas | false | :enabled | :paid  | %i[free trial old_users] | 0  | true  | 'missing CC on paid plan'
+
+      :saas | false | :enabled | :free  | %i[free trial]           | 0  | false | 'missing CC on free plan'
+      :saas | false | nil      | :free  | %i[free trial]           | 0  | true  | 'missing CC on free plan and shared runners disabled'
+      :saas | false | :enabled | :free  | %i[free trial]           | -1 | true  | 'missing CC on free plan but old user'
+      :saas | false | :enabled | :free  | %i[free trial old_users] | -1 | false | 'missing CC on free plan but old user and FF enabled'
+      :saas | false | nil      | :free  | %i[free trial old_users] | -1 | true  | 'missing CC on free plan but old user and FF enabled and shared runners disabled'
+      :saas | true  | :enabled | :free  | %i[free trial]           | 0  | true  | 'present CC on free plan'
+      :saas | false | :enabled | :free  | %i[]                     | 0  | true  | 'missing CC on free plan - FF off'
+
+      :saas | false | :enabled | :trial | %i[free trial]           | 0  | false | 'missing CC on trial plan'
+      :saas | false | nil      | :trial | %i[free trial]           | 0  | true  | 'missing CC on trial plan and shared runners disabled'
+      :saas | false | :enabled | :trial | %i[free trial]           | -1 | true  | 'missing CC on trial plan but old user'
+      :saas | false | :enabled | :trial | %i[free trial old_users] | -1 | false | 'missing CC on trial plan but old user and FF enabled'
+      :saas | false | nil      | :trial | %i[free trial old_users] | -1 | true  | 'missing CC on trial plan but old user and FF enabled and shared runners disabled'
+      :saas | false | :enabled | :trial | %i[]                     | 0  | true  | 'missing CC on trial plan - FF off'
+      :saas | true  | :enabled | :trial | %i[free trial]           | 0  | true  | 'present CC on trial plan'
     end
 
     let(:shared_runners_enabled) { shared_runners == :enabled }
@@ -1717,13 +1715,13 @@ RSpec.describe User do
         allow(::Gitlab).to receive(:com?).and_return(saas == :saas)
         user.created_at = ::Users::CreditCardValidation::RELEASE_DAY + days_from_release.days
         allow(user).to receive(:credit_card_validated_at).and_return(Time.current) if cc_present
-        allow(project.namespace).to receive(:free_plan?).and_return(is_free)
-        allow(project.namespace).to receive(:trial?).and_return(is_trial)
+        allow(project.namespace).to receive(:free_plan?).and_return(plan == :free)
+        allow(project.namespace).to receive(:trial?).and_return(plan == :trial)
         project.update!(shared_runners_enabled: shared_runners_enabled)
         stub_feature_flags(
-          ci_require_credit_card_on_free_plan: free_ff_enabled,
-          ci_require_credit_card_on_trial_plan: trial_ff_enabled,
-          ci_require_credit_card_for_old_users: old_users_ff_enabled)
+          ci_require_credit_card_on_free_plan: feature_flags.include?(:free),
+          ci_require_credit_card_on_trial_plan: feature_flags.include?(:trial),
+          ci_require_credit_card_for_old_users: feature_flags.include?(:old_users))
       end
 
       it description do