diff --git a/internal/service/iot_card/stop_resume_polling_guard.go b/internal/service/iot_card/stop_resume_polling_guard.go
new file mode 100644
index 00000000..bc4a3d9f
--- /dev/null
+++ b/internal/service/iot_card/stop_resume_polling_guard.go
@@ -0,0 +1,38 @@
+package iot_card
+
+import (
+	"context"
+	stderrors "errors"
+
+	"gorm.io/gorm"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/pkg/errors"
+)
+
+// pollingDisabled 判断卡是否退出本系统自动停复机：卡级关闭轮询，或卡绑定的设备关闭轮询。
+// 关闭轮询的卡/设备已交由其他卡管管理，本系统任何入口都不得再对其自动停机或复机。
+// 查询失败时返回错误，由调用方放弃本次停复机，避免在状态不明时误操作。
+func (s *StopResumeService) pollingDisabled(ctx context.Context, card *model.IotCard) (bool, error) {
+	if !card.EnablePolling {
+		return true, nil
+	}
+	if s.db == nil {
+		return false, nil
+	}
+	deviceID, bound, err := s.getCardDeviceID(ctx, card)
+	if err != nil {
+		return false, errors.Wrap(errors.CodeDatabaseError, err, "查询卡绑定设备失败")
+	}
+	if !bound {
+		return false, nil
+	}
+	var device model.Device
+	if err := s.db.WithContext(ctx).Select("id", "enable_polling").First(&device, deviceID).Error; err != nil {
+		if stderrors.Is(err, gorm.ErrRecordNotFound) {
+			return false, nil
+		}
+		return false, errors.Wrap(errors.CodeDatabaseError, err, "查询设备轮询状态失败")
+	}
+	return !device.EnablePolling, nil
+}
diff --git a/internal/service/iot_card/stop_resume_polling_guard_test.go b/internal/service/iot_card/stop_resume_polling_guard_test.go
new file mode 100644
index 00000000..8544e0b9
--- /dev/null
+++ b/internal/service/iot_card/stop_resume_polling_guard_test.go
@@ -0,0 +1,45 @@
+package iot_card
+
+import (
+	"context"
+	"testing"
+
+	"go.uber.org/zap"
+
+	"github.com/break/junhong_cmp_fiber/internal/model"
+	"github.com/break/junhong_cmp_fiber/pkg/constants"
+)
+
+// 关闭轮询的卡已交由其他卡管：无论在线还是停机，EvaluateAndAct 都必须直接返回，
+// 不得进入停机原因判断或复机流程（服务未注入任何 store/网关，进入后续流程会直接 panic）。
+func TestEvaluateAndAct_CardPollingDisabledSkipsStopResume(t *testing.T) {
+	svc := &StopResumeService{logger: zap.NewNop()}
+
+	cases := []struct {
+		name string
+		card *model.IotCard
+	}{
+		{
+			name: "在线卡无套餐不停机",
+			card: &model.IotCard{NetworkStatus: constants.NetworkStatusOnline, EnablePolling: false, IsStandalone: false},
+		},
+		{
+			name: "轮询原因停机的卡不复机",
+			card: &model.IotCard{NetworkStatus: constants.NetworkStatusOffline, StopReason: constants.StopReasonNoPackage, EnablePolling: false},
+		},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			if err := svc.EvaluateAndAct(context.Background(), tc.card); err != nil {
+				t.Fatalf("期望直接返回 nil，实际 %v", err)
+			}
+		})
+	}
+}
+
+func TestEvaluateAndAct_NilCard(t *testing.T) {
+	svc := &StopResumeService{logger: zap.NewNop()}
+	if err := svc.EvaluateAndAct(context.Background(), nil); err != nil {
+		t.Fatalf("期望 nil，实际 %v", err)
+	}
+}
diff --git a/internal/service/iot_card/stop_resume_service.go b/internal/service/iot_card/stop_resume_service.go
index 123ccce8..9db57991 100644
--- a/internal/service/iot_card/stop_resume_service.go
+++ b/internal/service/iot_card/stop_resume_service.go
@@ -108,7 +108,19 @@ func (s *StopResumeService) SetPollingCallback(callback PollingCallback) {
 // EvaluateAndAct 停复机统一入口
 // 根据卡的当前网络状态，自动判断并执行停机或复机操作
 // 设备/单卡维度通过 card.IsStandalone 推导（false 则为设备维度，停/复机覆盖设备下所有卡）
+// 卡或其绑定设备关闭轮询时直接返回，不停机也不复机。
 func (s *StopResumeService) EvaluateAndAct(ctx context.Context, card *model.IotCard) error {
+	if card == nil {
+		return nil
+	}
+	disabled, err := s.pollingDisabled(ctx, card)
+	if err != nil {
+		return err
+	}
+	if disabled {
+		s.logger.Debug("卡或绑定设备已关闭轮询，跳过自动停复机", zap.Uint("card_id", card.ID))
+		return nil
+	}
 	switch card.NetworkStatus {
 	case constants.NetworkStatusOnline:
 		// 卡在线，检查是否需要停机