diff --git a/internal/polling/carrierqueue/scripts.go b/internal/polling/carrierqueue/scripts.go
index 7b6fb236..7aa9586a 100644
--- a/internal/polling/carrierqueue/scripts.go
+++ b/internal/polling/carrierqueue/scripts.go
@@ -60,7 +60,10 @@ local function tryClaim(cardId, fromPriority, qkey)
       end
     end
     for g, n in pairs(need) do
-      if budget[g] ~= nil and (used[g] or 0) + n > budget[g] then
+      -- 本轮该组尚未占用且预算大于 0 时至少放行一张卡：否则一张卡的调用数大于预算（如账户 1 QPS、卡同时到期 3 项）时永远领不到；
+      -- 超出部分由网关限流等待模式在调用时排队。
+      local u = used[g] or 0
+      if budget[g] ~= nil and (budget[g] <= 0 or (u > 0 and u + n > budget[g])) then
         stop = true
         return false
       end