diff --git a/components/SilenceReminderPopup.vue b/components/SilenceReminderPopup.vue
index 09b352f..072cf9b 100644
--- a/components/SilenceReminderPopup.vue
+++ b/components/SilenceReminderPopup.vue
@@ -2,10 +2,13 @@
 	<view class="silence-overlay" @tap.stop>
 		<view class="silence-dialog" :class="`silence-${reminder.kind}`" role="dialog" aria-modal="true" aria-label="套餐沉默期提醒">
 			<button class="silence-close" aria-label="关闭沉默期提醒" @tap="$emit('close')">×</button>
-			<view class="silence-title">{{ reminder.kind === 'expired' ? '套餐沉默期已过期' : '请尽快完成实名' }}</view>
+			<view class="silence-title">{{ title }}</view>
 			<view v-if="reminder.packageName" class="silence-package">{{ reminder.packageName }}</view>
 			<view class="silence-body">
-				<template v-if="reminder.kind === 'expired'">
+				<template v-if="reminder.pendingOrderNo">
+					套餐沉默期已于 <text class="silence-strong">{{ deadline }}</text> 过期，您有一笔未支付的延期订单（{{ reminder.pendingOrderNo }}），请继续支付；不需要了可以作废后重新办理。
+				</template>
+				<template v-else-if="reminder.kind === 'expired'">
 					套餐需在 <text class="silence-strong">{{ deadline }}</text> 前完成实名，现已过期。办理延期后可继续实名激活使用。
 				</template>
 				<template v-else>
@@ -13,7 +16,7 @@
 					<text class="silence-strong">{{ reminder.remainingDays }}</text> 天，过期后需办理延期。
 				</template>
 			</view>
-			<button class="silence-confirm" @tap="$emit('action')">{{ reminder.kind === 'expired' ? '去延期' : '查看套餐' }}</button>
+			<button class="silence-confirm" @tap="$emit('action')">{{ actionText }}</button>
 			<button class="silence-later" @tap="$emit('close')">我知道了</button>
 		</view>
 	</view>
@@ -26,6 +29,14 @@
 	const props = defineProps({ reminder: { type: Object, required: true } });
 	defineEmits(['close', 'action']);
 	const deadline = computed(() => formatSilenceDate(props.reminder.silence?.silence_deadline_at));
+	const title = computed(() => {
+		if (props.reminder.pendingOrderNo) return '延期订单未支付';
+		return props.reminder.kind === 'expired' ? '套餐沉默期已过期' : '请尽快完成实名';
+	});
+	const actionText = computed(() => {
+		if (props.reminder.pendingOrderNo) return '去支付或作废';
+		return props.reminder.kind === 'expired' ? '去延期' : '查看套餐';
+	});
 </script>
 
 <style scoped lang="scss">
diff --git a/pages/index/index.vue b/pages/index/index.vue
index 5a6cc1f..d6bb2a8 100644
--- a/pages/index/index.vue
+++ b/pages/index/index.vue
@@ -151,7 +151,8 @@
 		assetApi,
 		deviceApi,
 		hasActiveOrPendingPackage,
-		notificationApi
+		notificationApi,
+		packageSilenceApi
 	} from '@/api/index.js';
 	import {
 		useUserStore,
@@ -201,11 +202,20 @@
 			const data = await assetApi.getPackageHistory(identifier, 1, 20, { status: 0 });
 			if (entryId !== homeEntryId || !homeActive.value || identifier !== String(userStore.state.identifier || '').trim()) return;
 			const reminder = pickSilenceReminder(data?.items);
-			if (reminder && !uni.getStorageSync(silenceReminderKey(identifier, reminder, getShanghaiDay()))) {
-				silenceReminderIdentifier = identifier;
-				silenceReminder.value = reminder;
-				advanceHomePopupQueue();
+			if (!reminder || uni.getStorageSync(silenceReminderKey(identifier, reminder, getSessionContext().token))) return;
+			// 已过期的套餐再查一次延期资格：有未支付的延期订单时，弹窗改为提醒去支付或作废
+			if (reminder.kind === 'expired') {
+				try {
+					const eligibility = await packageSilenceApi.getEligibility(reminder.packageUsageId);
+					if (eligibility?.pending_order_no) reminder.pendingOrderNo = eligibility.pending_order_no;
+				} catch (error) {
+					// 资格查询失败不影响提醒本身
+				}
 			}
+			if (entryId !== homeEntryId || !homeActive.value || identifier !== String(userStore.state.identifier || '').trim()) return;
+			silenceReminderIdentifier = identifier;
+			silenceReminder.value = reminder;
+			advanceHomePopupQueue();
 		} catch (error) {
 			// 提醒失败不影响首页其他功能
 			console.error('加载沉默期提醒失败', error);
@@ -218,7 +228,7 @@
 			silenceReminder.value = null;
 			return false;
 		}
-		uni.setStorageSync(silenceReminderKey(silenceReminderIdentifier, reminder, getShanghaiDay()), 1);
+		uni.setStorageSync(silenceReminderKey(silenceReminderIdentifier, reminder, getSessionContext().token), 1);
 		silenceReminderShow.value = true;
 		return true;
 	};
diff --git a/tests/october-h5.test.mjs b/tests/october-h5.test.mjs
index e4fd59b..e3b522c 100644
--- a/tests/october-h5.test.mjs
+++ b/tests/october-h5.test.mjs
@@ -94,7 +94,7 @@ function runtime(initial = {}) {
 			onLoad() {}, onReachBottom() {}
 		});
 		if (specifier === '@/api/index.js') return synthetic('api-index', {
-			...api, deviceApi: {}, hasActiveOrPendingPackage: async () => true
+			packageSilenceApi: {}, ...api, deviceApi: {}, hasActiveOrPendingPackage: async () => true
 		});
 		if (specifier === '@/utils/payment.js') return synthetic('payment', {
 			...payment, consumePendingPaymentRefresh: (...args) => payment.consumePendingPaymentRefresh(...args)
@@ -934,7 +934,7 @@ test('order completion and payment return reread actual asset state, not a presu
 	assert.equal(reads, 4);
 });
 
-test('home shows the silence reminder after other popups, once per day, and opens the extension page', async () => {
+test('home shows the silence reminder after other popups, once per login, and opens the extension page', async () => {
 	const r = runtime();
 	r.api.assetApi = {
 		getInfo: async () => ({ identifier: 'A' }),
@@ -944,20 +944,31 @@ test('home shows the silence reminder after other popups, once per day, and open
 			children: []
 		}] })
 	};
+	let pendingOrderNo = '';
+	r.api.packageSilenceApi = { getEligibility: async () => ({ can_extend: !pendingOrderNo, pending_order_no: pendingOrderNo }) };
 	r.api.notificationApi = { getUnreadCount: async () => ({ count: 0 }), getList: async () => ({ items: [] }) };
 	const page = await r.load('pages/index/index.vue', ['silenceReminder', 'silenceReminderShow', 'onPopupCandidateClose', 'openSilenceReminderAction', 'closeSilenceReminder']);
-	await r.shown[0](); await r.tick(); await r.tick();
+	const settle = async () => { for (let i = 0; i < 6; i++) await r.tick(); };
+	await r.shown[0](); await settle();
 	// 运营弹窗仍在时不弹沉默期提醒
 	assert.equal(page.silenceReminderShow.value, false);
-	page.onPopupCandidateClose('empty'); await r.tick();
+	page.onPopupCandidateClose('empty'); await settle();
 	assert.equal(page.silenceReminderShow.value, true);
 	assert.equal(page.silenceReminder.value.kind, 'expired');
+	assert.equal(page.silenceReminder.value.pendingOrderNo, undefined);
 	page.openSilenceReminderAction();
 	assert.equal(page.silenceReminderShow.value, false);
 	assert.equal(r.calls.at(-1).kind, 'navigateTo');
 	assert.equal(r.calls.at(-1).url, '/pages/silence-extension/silence-extension?package_usage_id=44961');
-	// 同一天再次回到首页不再弹
-	r.hidden[0](); await r.shown[0](); await r.tick(); await r.tick();
-	page.onPopupCandidateClose('empty'); await r.tick();
+	// 同一次登录内再回到首页不重复弹
+	r.hidden[0](); await r.shown[0](); await settle();
+	page.onPopupCandidateClose('empty'); await settle();
 	assert.equal(page.silenceReminderShow.value, false);
+	// 重新登录（凭证变化）后再次提醒；有未支付延期订单时提示去支付或作废
+	pendingOrderNo = 'SE20261107200004975908';
+	r.storage.set('token', 'session-B');
+	r.hidden[0](); await r.shown[0](); await settle();
+	page.onPopupCandidateClose('empty'); await settle();
+	assert.equal(page.silenceReminderShow.value, true);
+	assert.equal(page.silenceReminder.value.pendingOrderNo, 'SE20261107200004975908');
 });
diff --git a/tests/silence.test.mjs b/tests/silence.test.mjs
index 2094bc7..78f3dc2 100644
--- a/tests/silence.test.mjs
+++ b/tests/silence.test.mjs
@@ -90,5 +90,8 @@ test('首页沉默期提醒：优先已过期可延期，其次 7 天内到期
 	assert.equal(waiting.remainingDays, 3);
 
 	assert.equal(pickSilenceReminder([node(7, { silence_status: 'ended' })], now), null);
-	assert.equal(silenceReminderKey('A', { packageUsageId: 3, kind: 'expired' }, '2026-11-07'), 'silence_reminder:A:3:expired:2026-11-07');
+	const keyA = silenceReminderKey('A', { packageUsageId: 3, kind: 'expired' }, 'token-1');
+	assert.match(keyA, /^silence_reminder:A:3:expired:/);
+	assert.equal(keyA, silenceReminderKey('A', { packageUsageId: 3, kind: 'expired' }, 'token-1'));
+	assert.notEqual(keyA, silenceReminderKey('A', { packageUsageId: 3, kind: 'expired' }, 'token-2'));
 });
diff --git a/utils/silence.js b/utils/silence.js
index a452fc9..d15fd6e 100644
--- a/utils/silence.js
+++ b/utils/silence.js
@@ -164,6 +164,18 @@ export const pickSilenceReminder = (items, now = Date.now()) => {
 	return null;
 };
 
-/** 每个资产、每笔套餐、每种提醒每天最多弹一次的存储键 */
-export const silenceReminderKey = (identifier, reminder, day) =>
-	`silence_reminder:${identifier}:${reminder.packageUsageId}:${reminder.kind}:${day}`;
+const shortHash = (value) => {
+	let hash = 0;
+	const text = String(value || '');
+	for (let index = 0; index < text.length; index++) {
+		hash = (hash * 31 + text.charCodeAt(index)) | 0;
+	}
+	return (hash >>> 0).toString(36);
+};
+
+/**
+ * 每次登录、每个资产、每笔套餐、每种提醒最多弹一次的存储键：
+ * 带上登录凭证摘要，重新登录后会再次提醒；同一次登录内反复回首页不重复弹。
+ */
+export const silenceReminderKey = (identifier, reminder, sessionToken) =>
+	`silence_reminder:${identifier}:${reminder.packageUsageId}:${reminder.kind}:${shortHash(sessionToken)}`;