diff --git a/internal/service/iot_card/stop_resume_decide.go b/internal/service/iot_card/stop_resume_decide.go
index e4a17747..8b8020fa 100644
--- a/internal/service/iot_card/stop_resume_decide.go
+++ b/internal/service/iot_card/stop_resume_decide.go
@@ -28,8 +28,8 @@ type stopResumeDecision struct {
 	DeviceID uint     // 设备维度动作的设备；0 表示单卡
 }
 
-// decideCard 统一判断函数：暂停轮询（按场景） → 停机条件 → 复机条件。
-// 暂停轮询的卡只在套餐失效类场景（套餐到期、退款）下放行无套餐停机，其余自动停复机一律不做；
+// decideCard 统一判断函数：暂停轮询 → 停机条件 → 复机条件。
+// 卡或绑定设备暂停轮询（已交由其他卡管）时任何场景都不停机也不复机；
 // 套餐失效类场景不看库里的开停状态，资产无可用主套餐即停机。
 // 设备维度原因（无套餐、流量耗尽）与绑定设备的复机返回 DeviceID，由调用方按设备处理。通道阈值锁由复机执行方判断。
 func (s *StopResumeService) decideCard(ctx context.Context, card *model.IotCard, scenes []string) (stopResumeDecision, error) {
@@ -37,11 +37,10 @@ func (s *StopResumeService) decideCard(ctx context.Context, card *model.IotCard,
 	if err != nil {
 		return stopResumeDecision{}, err
 	}
-	allowSuspendedStop := constants.StopResumeSceneAllowsSuspendedStop(scenes)
-	if suspended && !allowSuspendedStop {
+	if suspended {
 		return stopResumeDecision{}, nil
 	}
-	if allowSuspendedStop {
+	if constants.StopResumeSceneIgnoresNetworkStatus(scenes) {
 		// 套餐失效类场景（套餐到期、退款）：不看库里的开停状态，资产无可用主套餐即停机。
 		// 停复机成功后上游状态有延迟，库里的开停状态可能是旧值；上游已停时调用按已是目标状态结束。
 		reasons, err := s.checkStopReasons(ctx, card)
@@ -55,9 +54,6 @@ func (s *StopResumeService) decideCard(ctx context.Context, card *model.IotCard,
 			}
 			return decision, nil
 		}
-		if suspended {
-			return stopResumeDecision{}, nil
-		}
 	}
 	switch card.NetworkStatus {
 	case constants.NetworkStatusOnline:
@@ -66,22 +62,12 @@ func (s *StopResumeService) decideCard(ctx context.Context, card *model.IotCard,
 			return stopResumeDecision{}, err
 		}
 		primary := reasons[0]
-		if suspended {
-			// 暂停轮询：只有套餐失效（无可用主套餐）才停机。
-			if !containsStopReason(reasons, constants.StopReasonNoPackage) {
-				return stopResumeDecision{}, nil
-			}
-			primary = constants.StopReasonNoPackage
-		}
 		decision := stopResumeDecision{Action: constants.StopResumeActionStop, Reason: primary, Reasons: reasons}
 		if !card.IsStandalone && isDeviceScopeReason(primary) {
 			decision.DeviceID = s.boundDeviceID(ctx, card)
 		}
 		return decision, nil
 	case constants.NetworkStatusOffline:
-		if suspended {
-			return stopResumeDecision{}, nil
-		}
 		// 不看停机原因，是否复机只由本系统规则决定。
 		resume, err := s.shouldResume(ctx, card)
 		if err != nil || !resume {
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..03ddada0
--- /dev/null
+++ b/internal/service/iot_card/stop_resume_polling_guard_test.go
@@ -0,0 +1,48 @@
+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：任何场景（含套餐到期、退款）都不停机也不复机，
+// 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 TestDecideCard_PollingDisabledNeverActs(t *testing.T) {
+	svc := &StopResumeService{logger: zap.NewNop()}
+	cards := map[string]*model.IotCard{
+		"在线卡":     {NetworkStatus: constants.NetworkStatusOnline, EnablePolling: false},
+		"设备下在线卡":  {NetworkStatus: constants.NetworkStatusOnline, EnablePolling: false, IsStandalone: false},
+		"无套餐停机的卡": {NetworkStatus: constants.NetworkStatusOffline, StopReason: constants.StopReasonNoPackage, EnablePolling: false},
+	}
+	sceneSets := map[string][]string{
+		"无场景":  nil,
+		"套餐到期": {constants.StopResumeScenePackageExpired},
+		"退款":   {constants.StopResumeSceneRefund},
+		"流量扣减": {constants.StopResumeSceneUsage},
+	}
+	for cardName, card := range cards {
+		for sceneName, scenes := range sceneSets {
+			t.Run(cardName+"/"+sceneName, func(t *testing.T) {
+				decision, err := svc.decideCard(context.Background(), card, scenes)
+				if err != nil {
+					t.Fatalf("期望 nil，实际 %v", err)
+				}
+				if decision.Action != "" {
+					t.Fatalf("关闭轮询的卡不应停复机，实际动作 %q", decision.Action)
+				}
+			})
+		}
+	}
+}
+
+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 15357acc..0bf4d924 100644
--- a/internal/service/iot_card/stop_resume_service.go
+++ b/internal/service/iot_card/stop_resume_service.go
@@ -134,6 +134,9 @@ func (s *StopResumeService) SetPollingCallback(callback PollingCallback) {
 // 停复机出口开关开启时只请求评估（生成指令或请求设备判断），不当场调用网关；关闭时当场执行。
 // 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）。触发场景见 WithStopResumeScene。
 func (s *StopResumeService) EvaluateAndAct(ctx context.Context, card *model.IotCard) error {
+	if card == nil {
+		return nil
+	}
 	scenes := stopResumeScenes(ctx)
 	decision, err := s.decideCard(ctx, card, scenes)
 	if err != nil {
@@ -376,7 +379,7 @@ func (s *StopResumeService) stopDeviceCards(ctx context.Context, deviceID uint,
 	// 查询设备下在线卡；套餐失效类场景（套餐到期、退款）不看库里的开停状态（可能因上游延迟是旧值），设备下全部卡都停。
 	var cards []*model.IotCard
 	var err error
-	if stopReason == constants.StopReasonNoPackage && constants.StopResumeSceneAllowsSuspendedStop(stopResumeScenes(ctx)) {
+	if stopReason == constants.StopReasonNoPackage && constants.StopResumeSceneIgnoresNetworkStatus(stopResumeScenes(ctx)) {
 		cards, err = s.deviceCards(ctx, deviceID)
 	} else {
 		cards, err = s.iotCardStore.ListByDeviceIDAndNetworkStatus(ctx, deviceID, constants.NetworkStatusOnline)
@@ -389,11 +392,11 @@ func (s *StopResumeService) stopDeviceCards(ctx context.Context, deviceID uint,
 
 	var cardErrors []error
 	for _, card := range cards {
-		// 暂停轮询的卡不随设备自动停机；套餐失效类场景（套餐到期、退款）照常停机。
+		// 暂停轮询的卡已交由其他卡管，任何场景都不随设备自动停机。
 		if suspended, suspendErr := s.autoControlSuspended(ctx, card); suspendErr != nil {
 			cardErrors = append(cardErrors, suspendErr)
 			continue
-		} else if suspended && !(stopReason == constants.StopReasonNoPackage && constants.StopResumeSceneAllowsSuspendedStop(stopResumeScenes(ctx))) {
+		} else if suspended {
 			continue
 		}
 		if _, stopErr := s.stopCardWithRetry(ctx, card, stopReason); stopErr != nil {
diff --git a/pkg/constants/stop_resume_queue.go b/pkg/constants/stop_resume_queue.go
index ff0ec3cf..02d0b051 100644
--- a/pkg/constants/stop_resume_queue.go
+++ b/pkg/constants/stop_resume_queue.go
@@ -22,8 +22,9 @@ const (
 	StopResumeSceneUsage            = "usage"             // 流量扣减后
 )
 
-// StopResumeSceneAllowsSuspendedStop 判断场景集合中是否含套餐失效类场景：暂停轮询的卡在这些场景下照常停机。
-func StopResumeSceneAllowsSuspendedStop(scenes []string) bool {
+// StopResumeSceneIgnoresNetworkStatus 判断场景集合中是否含套餐失效类场景（套餐到期、退款）：
+// 这些场景下停机判断不看库里的开停状态（上游状态有延迟可能是旧值）。暂停轮询的卡在任何场景下都不停机。
+func StopResumeSceneIgnoresNetworkStatus(scenes []string) bool {
 	for _, scene := range scenes {
 		if scene == StopResumeScenePackageExpired || scene == StopResumeSceneRefund {
 			return true