diff --git a/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts b/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts
index 5649adfde..454b8e955 100644
--- a/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts
+++ b/apps/ai-game-creator-shell/src/features/app-shell/useAccountWallet.ts
@@ -64,6 +64,7 @@ export function useAccountWallet(currentUserId: string) {
     null,
   );
   const rechargeLifecycleRef = useRef(0);
+  const membershipQuoteRequestRef = useRef<symbol | null>(null);
   const walletLedgerLifecycleRef = useRef(0);
   const redeemLifecycleRef = useRef(0);
   const [walletUiOwnerUserId, setWalletUiOwnerUserId] = useState(currentUserId);
@@ -395,32 +396,29 @@ export function useAccountWallet(currentUserId: string) {
   async function requestMembershipQuote(plan: ProfileMembershipPlan) {
     const rechargeLifecycle = rechargeLifecycleRef.current;
     const snapshotOwnerUserId = currentUserId;
+    const requestToken = Symbol('profile-membership-quote');
+    membershipQuoteRequestRef.current = requestToken;
+    const isLatestQuoteRequest = () =>
+      rechargeLifecycleRef.current === rechargeLifecycle &&
+      currentUserIdRef.current === snapshotOwnerUserId &&
+      membershipQuoteRequestRef.current === requestToken;
     setMembershipQuote(null);
     setMembershipQuoteError(null);
     setMembershipQuoteLoading(true);
     try {
       const quote = await getClientProfileMembershipUpgradeQuote(plan);
-      if (
-        rechargeLifecycleRef.current !== rechargeLifecycle ||
-        currentUserIdRef.current !== snapshotOwnerUserId
-      ) {
+      if (!isLatestQuoteRequest()) {
         return;
       }
       setMembershipQuote(quote);
     } catch (error) {
-      if (
-        rechargeLifecycleRef.current === rechargeLifecycle &&
-        currentUserIdRef.current === snapshotOwnerUserId
-      ) {
+      if (isLatestQuoteRequest()) {
         setMembershipQuoteError(
           error instanceof Error ? error.message : '读取升级报价失败',
         );
       }
     } finally {
-      if (
-        rechargeLifecycleRef.current === rechargeLifecycle &&
-        currentUserIdRef.current === snapshotOwnerUserId
-      ) {
+      if (isLatestQuoteRequest()) {
         setMembershipQuoteLoading(false);
       }
     }