diff --git a/AGENTS.md b/AGENTS.md
index ef12345..3a74d2c 100644
--- a/AGENTS.md
+++ b/AGENTS.md
@@ -576,3 +576,10 @@
 - 截图本月 `¥97.07` 是多个历史价格版本混合回放；若按当前最新模型价格强行重算本月全部 Shop token，则为 `¥84.446874500`。
 - 如果后续需要“按当前最新价模拟重算历史区间”，应新增模拟分析口径，不能覆盖 Admin 收银金额、真实扣费、余额和流水。
 - 核账记录见 `docs/ai/context/20260614-130541-admin-revenue-ranking-pricing-audit_CN.md`。
+
+## 2026-06-16 Account 欠费上限展示移除
+
+- 当前 API key 放行逻辑是余额必须大于 0；余额等于 0 或负数都会返回 `insufficient_balance`。
+- `account_balances.credit_limit_*` 的 10 元字段不参与 API 调用放行，只保留为历史兼容字段。
+- `/shop/account/` 不应展示「欠费上限」，避免用户误解为可以欠费 10 元后才停用。
+- 设计与计划见 `docs/ai/context/20260616-101833-account-remove-credit-limit-display-design-plan_CN.md`。
diff --git a/shop/account/index.html b/shop/account/index.html
index 4691d06..da92f45 100644
--- a/shop/account/index.html
+++ b/shop/account/index.html
@@ -53,7 +53,7 @@ <h3 class="font-display text-2xl text-primary dark:text-dark-text">模型总览<
                         <p class="text-sm text-text-muted dark:text-dark-text-muted">正在读取模型...</p>
                     </div>
                 </section>
-                <div id="accountBalanceCards" class="mt-6 grid gap-3 md:grid-cols-4"></div>
+                <div id="accountBalanceCards" class="mt-6 grid gap-3 md:grid-cols-3"></div>
                 <div class="mt-6 grid gap-5 lg:grid-cols-[1fr_1.2fr]">
                     <section class="rounded-lg border border-border-subtle dark:border-dark-border bg-white dark:bg-dark-card p-5">
                         <h3 class="font-display text-2xl text-primary dark:text-dark-text">充值</h3>
diff --git a/shop/js/account.js b/shop/js/account.js
index 348de70..9968802 100644
--- a/shop/js/account.js
+++ b/shop/js/account.js
@@ -180,8 +180,7 @@ function renderBalanceCards(balance = {}) {
     const cards = [
         ['当前余额', balance.balanceNanos === undefined ? formatCents(balance.balanceCents) : formatNanos(balance.balanceNanos), billingStatusText(balance.status)],
         ['欠费金额', balance.debtNanos === undefined ? formatCents(balance.debtCents) : formatNanos(balance.debtNanos), balance.debtCents > 0 ? '需补缴' : '无欠费'],
-        ['待确认充值', balance.pendingTopupNanos === undefined ? formatCents(balance.pendingTopupCents) : formatNanos(balance.pendingTopupNanos), '确认后入账'],
-        ['欠费上限', balance.creditLimitNanos === undefined ? formatCents(balance.creditLimitCents) : formatNanos(balance.creditLimitNanos), balance.creditExceeded ? '已超过' : '默认上限']
+        ['待确认充值', balance.pendingTopupNanos === undefined ? formatCents(balance.pendingTopupCents) : formatNanos(balance.pendingTopupNanos), '确认后入账']
     ];
     return cards.map(([label, value, hint]) => `
         <article class="rounded-lg border border-border-subtle dark:border-dark-border bg-white dark:bg-dark-card p-4">
diff --git a/shop/shop.js b/shop/shop.js
index 1da4164..0a05028 100644
--- a/shop/shop.js
+++ b/shop/shop.js
@@ -4,7 +4,7 @@
         '/shop/js/core.js',
         '/shop/js/charts.js',
         '/shop/js/auth.js',
-        '/shop/js/account.js?v=20260614-account-price-display',
+        '/shop/js/account.js?v=20260616-account-credit-limit-display',
         '/shop/js/admin.js',
         '/shop/js/legacy-redirects.js'
     ];
diff --git a/test/shop-frontend.test.js b/test/shop-frontend.test.js
index 82b116f..4a44d4e 100644
--- a/test/shop-frontend.test.js
+++ b/test/shop-frontend.test.js
@@ -8,7 +8,7 @@ const shopModuleScripts = [
     '/shop/js/core.js',
     '/shop/js/charts.js',
     '/shop/js/auth.js',
-    '/shop/js/account.js?v=20260614-account-price-display',
+    '/shop/js/account.js?v=20260616-account-credit-limit-display',
     '/shop/js/admin.js',
     '/shop/js/legacy-redirects.js'
 ];
@@ -126,6 +126,44 @@ test('Admin 余额和充值表渲染复用账户状态文案函数', () => {
     assert.match(topupHtml, /待确认/);
 });
 
+test('Account 余额卡片不展示未参与放行逻辑的欠费上限', () => {
+    const sandbox = {
+        window: {},
+        document: {
+            cookie: '',
+            readyState: 'loading',
+            addEventListener() {}
+        },
+        Intl,
+        URL
+    };
+    sandbox.window.document = sandbox.document;
+
+    for (const file of [
+        'shop/js/core.js',
+        'shop/js/charts.js',
+        'shop/js/account.js'
+    ]) {
+        vm.runInNewContext(readScript(file), sandbox, { filename: file });
+    }
+
+    const html = sandbox.window.YuiShopAccount.renderBalanceCards({
+        balanceNanos: 1000000000,
+        debtNanos: 0,
+        pendingTopupNanos: 0,
+        creditLimitNanos: 10000000000,
+        creditExceeded: false,
+        status: 'available'
+    });
+
+    assert.match(html, /当前余额/);
+    assert.match(html, /欠费金额/);
+    assert.match(html, /待确认充值/);
+    assert.doesNotMatch(html, /欠费上限/);
+    assert.doesNotMatch(html, /默认上限/);
+    assert.doesNotMatch(html, /10\.00/);
+});
+
 test('Shop 入口加载页面模块后仍暴露兼容的 YuiShop 初始化函数', async () => {
     const elements = new Map();
     const sandbox = {