diff --git a/internal/polling/scheduler.go b/internal/polling/scheduler.go
index 386043d..29b41b6 100644
--- a/internal/polling/scheduler.go
+++ b/internal/polling/scheduler.go
@@ -538,6 +538,7 @@ func (s *Scheduler) initCardsBatch(ctx context.Context, cards []*model.IotCard)
 			"real_name_status": card.RealNameStatus,
 			"network_status":   card.NetworkStatus,
 			"carrier_id":       card.CarrierID,
+			"stop_reason":      card.StopReason,
 			"cached_at":        now.Unix(),
 		}
 		pipe.HSet(ctx, cacheKey, cacheData)
@@ -689,6 +690,7 @@ func (s *Scheduler) cacheCardInfo(ctx context.Context, card *model.IotCard, cach
 		"real_name_status": card.RealNameStatus,
 		"network_status":   card.NetworkStatus,
 		"carrier_id":       card.CarrierID,
+		"stop_reason":      card.StopReason,
 		"cached_at":        cachedAt.Unix(),
 	}
 
diff --git a/internal/task/polling_handler.go b/internal/task/polling_handler.go
index 0db6661..d46f1e4 100644
--- a/internal/task/polling_handler.go
+++ b/internal/task/polling_handler.go
@@ -273,21 +273,13 @@ func (h *PollingHandler) HandleCarddataCheck(ctx context.Context, t *asynq.Task)
 		"last_gateway_reading_mb": gatewayFlowMB,
 	})
 
-	// 任务 18.3: 调用 UsageService.DeductDataUsage 进行流量扣减
+	// 调用 UsageService.DeductDataUsage 进行流量扣减
 	if flowIncrementMB > 0 && h.usageService != nil {
 		if err := h.usageService.DeductDataUsage(ctx, "iot_card", uint(cardID), int64(flowIncrementMB)); err != nil {
-			// 扣减失败不影响主流程，仅记录日志
 			h.logger.Warn("套餐流量扣减失败",
 				zap.Uint64("card_id", cardID),
 				zap.Float64("increment_mb", flowIncrementMB),
 				zap.Error(err))
-
-			// 任务 18.4: 检查是否需要停机（所有套餐用完）
-			if h.shouldStopCard(ctx, uint(cardID)) {
-				h.logger.Warn("所有套餐流量已用完，触发停机",
-					zap.Uint64("card_id", cardID))
-				h.stopCardByUsageExhausted(ctx, card)
-			}
 		} else {
 			h.logger.Info("套餐流量扣减成功",
 				zap.Uint64("card_id", cardID),
@@ -295,6 +287,9 @@ func (h *PollingHandler) HandleCarddataCheck(ctx context.Context, t *asynq.Task)
 		}
 	}
 
+	// 独立停机/复机检查（不依赖流量增量，每次轮询都执行）
+	h.checkStopResume(ctx, card)
+
 	// 更新监控统计
 	h.updateStats(ctx, constants.TaskTypePollingCarddata, true, time.Since(startTime))
 
@@ -329,19 +324,37 @@ func isResetWindow(now time.Time, resetDay int) bool {
 	return today == prevDay
 }
 
-// shouldStopCard 任务 18.4: 检查是否应该停机（所有套餐用完）
+// shouldStopCard 检查是否应该停机（无有效套餐）
+// 有效套餐 = 待生效(0) 或 生效中(1)，与 StopResumeService.hasAvailablePackage 对齐
 func (h *PollingHandler) shouldStopCard(ctx context.Context, cardID uint) bool {
-	// 查询是否还有生效中的套餐
-	var activeCount int64
+	var count int64
 	if err := h.db.WithContext(ctx).Model(&model.PackageUsage{}).
-		Where("iot_card_id = ? AND status = ?", cardID, constants.PackageUsageStatusActive).
-		Count(&activeCount).Error; err != nil {
-		h.logger.Warn("查询生效套餐失败", zap.Uint("card_id", cardID), zap.Error(err))
+		Where("iot_card_id = ? AND status IN ?", cardID, []int{
+			constants.PackageUsageStatusPending, // 待生效
+			constants.PackageUsageStatusActive,  // 生效中
+		}).
+		Count(&count).Error; err != nil {
+		h.logger.Warn("查询有效套餐失败", zap.Uint("card_id", cardID), zap.Error(err))
 		return false
 	}
 
-	// 如果没有生效中的套餐，需要停机
-	return activeCount == 0
+	return count == 0
+}
+
+// hasAvailablePackage 检查卡是否有可用套餐（待生效或生效中）
+func (h *PollingHandler) hasAvailablePackage(ctx context.Context, cardID uint) bool {
+	var count int64
+	if err := h.db.WithContext(ctx).Model(&model.PackageUsage{}).
+		Where("iot_card_id = ? AND status IN ?", cardID, []int{
+			constants.PackageUsageStatusPending,
+			constants.PackageUsageStatusActive,
+		}).
+		Count(&count).Error; err != nil {
+		h.logger.Warn("查询可用套餐失败", zap.Uint("card_id", cardID), zap.Error(err))
+		return false
+	}
+
+	return count > 0
 }
 
 // stopCardByUsageExhausted 任务 18.4: 流量耗尽停机
@@ -384,9 +397,9 @@ func (h *PollingHandler) stopCardByUsageExhausted(ctx context.Context, card *mod
 		h.logger.Error("更新卡状态失败", zap.Uint("card_id", card.ID), zap.Error(err))
 	}
 
-	// 更新 Redis 缓存
 	h.updateCardCache(ctx, card.ID, map[string]any{
 		"network_status": 0,
+		"stop_reason":    constants.StopReasonTrafficExhausted,
 	})
 
 	h.logger.Warn("卡已停机（套餐流量耗尽）",
@@ -394,6 +407,90 @@ func (h *PollingHandler) stopCardByUsageExhausted(ctx context.Context, card *mod
 		zap.String("iccid", card.ICCID))
 }
 
+// checkStopResume 独立停机/复机检查
+// 停机条件：卡在线 + 无有效套餐(pending/active) → 停机
+// 复机条件：卡停机 + 停机原因为流量耗尽 + 有有效套餐 → 复机
+func (h *PollingHandler) checkStopResume(ctx context.Context, card *model.IotCard) {
+	if card.NetworkStatus == constants.NetworkStatusOnline {
+		if h.shouldStopCard(ctx, card.ID) {
+			h.logger.Warn("无有效套餐，触发停机",
+				zap.Uint("card_id", card.ID),
+				zap.String("iccid", card.ICCID))
+			h.stopCardByUsageExhausted(ctx, card)
+		}
+		return
+	}
+
+	// 停机卡：只有流量耗尽停机的才自动复机，手动停机不管
+	if card.NetworkStatus == constants.NetworkStatusOffline &&
+		card.StopReason == constants.StopReasonTrafficExhausted &&
+		h.hasAvailablePackage(ctx, card.ID) {
+		h.logger.Info("检测到有效套餐，触发自动复机",
+			zap.Uint("card_id", card.ID),
+			zap.String("iccid", card.ICCID))
+		h.resumeCardByPackageAvailable(ctx, card)
+	}
+}
+
+// resumeCardByPackageAvailable 有效套餐恢复后自动复机
+func (h *PollingHandler) resumeCardByPackageAvailable(ctx context.Context, card *model.IotCard) {
+	if card.RealNameStatus != constants.RealNameStatusVerified {
+		h.logger.Warn("未实名卡跳过自动复机",
+			zap.Uint("card_id", card.ID),
+			zap.String("iccid", card.ICCID))
+		return
+	}
+
+	// 分布式锁防止并发复机
+	lockKey := constants.RedisCardResumeLockKey(card.ID)
+	locked, err := h.redis.SetNX(ctx, lockKey, "1", 30*time.Second).Result()
+	if err != nil || !locked {
+		h.logger.Debug("复机操作进行中，跳过", zap.Uint("card_id", card.ID))
+		return
+	}
+	defer h.redis.Del(ctx, lockKey)
+
+	if h.gatewayClient != nil {
+		h.logger.Info("调用网关复机",
+			zap.Uint("card_id", card.ID),
+			zap.String("iccid", card.ICCID))
+		if err := h.gatewayClient.StartCard(ctx, &gateway.CardOperationReq{
+			CardNo: card.ICCID,
+		}); err != nil {
+			h.logger.Error("复机失败",
+				zap.Uint("card_id", card.ID),
+				zap.String("iccid", card.ICCID),
+				zap.Error(err))
+			return
+		}
+		h.logger.Info("网关复机成功",
+			zap.Uint("card_id", card.ID),
+			zap.String("iccid", card.ICCID))
+	}
+
+	now := time.Now()
+	if err := h.db.Model(&model.IotCard{}).
+		Where("id = ?", card.ID).
+		Updates(map[string]any{
+			"network_status": constants.NetworkStatusOnline,
+			"resumed_at":     now,
+			"stop_reason":    "",
+			"updated_at":     now,
+		}).Error; err != nil {
+		h.logger.Error("复机更新卡状态失败", zap.Uint("card_id", card.ID), zap.Error(err))
+		return
+	}
+
+	h.updateCardCache(ctx, card.ID, map[string]any{
+		"network_status": constants.NetworkStatusOnline,
+		"stop_reason":    "",
+	})
+
+	h.logger.Info("卡已自动复机（检测到有效套餐）",
+		zap.Uint("card_id", card.ID),
+		zap.String("iccid", card.ICCID))
+}
+
 // calculateFlowUpdates 计算流量更新值和增量（合并原 calculateFlowUpdates 和 calculateFlowIncrement）
 // 增量算法：increment = 当前网关读数 - 上次网关读数，检测上游重置和跨自然月
 func (h *PollingHandler) calculateFlowUpdates(card *model.IotCard, gatewayFlowMB float64, now time.Time) (map[string]any, float64) {
@@ -1030,6 +1127,9 @@ func (h *PollingHandler) getCardWithCache(ctx context.Context, cardID uint) (*mo
 				card.SeriesID = &seriesID
 			}
 		}
+		if v, ok := result["stop_reason"]; ok {
+			card.StopReason = v
+		}
 
 		return card, nil
 	}
@@ -1053,6 +1153,7 @@ func (h *PollingHandler) getCardWithCache(ctx context.Context, cardID uint) (*mo
 			"current_month_usage_mb":  card.CurrentMonthUsageMB,
 			"last_gateway_reading_mb": card.LastGatewayReadingMB,
 			"data_usage_mb":           card.DataUsageMB,
+			"stop_reason":             card.StopReason,
 			"cached_at":               time.Now().Unix(),
 		}
 		if card.SeriesID != nil {
diff --git a/migrations/000101_add_activated_polling_config.down.sql b/migrations/000101_add_activated_polling_config.down.sql
new file mode 100644
index 0000000..69ac25a
--- /dev/null
+++ b/migrations/000101_add_activated_polling_config.down.sql
@@ -0,0 +1,2 @@
+DELETE FROM tb_polling_config
+WHERE config_name = '已激活在线卡' AND card_condition = 'activated';
diff --git a/migrations/000101_add_activated_polling_config.up.sql b/migrations/000101_add_activated_polling_config.up.sql
new file mode 100644
index 0000000..21d2784
--- /dev/null
+++ b/migrations/000101_add_activated_polling_config.up.sql
@@ -0,0 +1,12 @@
+-- 新增 activated 轮询配置：覆盖已实名+在线的卡
+-- 修复问题：activated 状态的卡无匹配配置导致不被轮询，套餐过期后无法触发停机
+INSERT INTO tb_polling_config (
+    config_name, card_condition, card_category, carrier_id,
+    priority, realname_check_interval, carddata_check_interval, package_check_interval,
+    status, created_at, updated_at
+) VALUES (
+    '已激活在线卡', 'activated', 'normal', 1566,
+    2, 30, 60, 60,
+    1, NOW(), NOW()
+)
+ON CONFLICT DO NOTHING;