diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
index fbea85958..afb55f7f1 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.test.tsx
@@ -261,6 +261,50 @@ describe('PlatformProfileRechargeModal', () => {
     expect(onSubmitMembershipCheckout).toHaveBeenCalledWith('max', 'yearly');
   });
 
+  test('keeps an active member as member when their current plan is disabled', async () => {
+    const user = userEvent.setup();
+    const onRequestMembershipQuote = vi.fn();
+
+    render(
+      <PlatformProfileRechargeModal
+        center={{
+          mudPointBalance: buildMudPointBalance(615),
+          membership: buildActiveMembership('plus', 'yearly'),
+          pointProducts: buildPointProducts(),
+          // plus 在后台被临时禁用：目录里仍有该档，但过滤后的可购买列表只剩 max。
+          membershipPlans: [{ ...PLUS_PLAN, enabled: false }, MAX_PLAN],
+          latestOrder: null,
+          hasPointsRecharged: true,
+        }}
+        isLoading={false}
+        error={null}
+        submittingProductId={null}
+        nativePayment={null}
+        membershipQuote={null}
+        isLoadingMembershipQuote={false}
+        membershipQuoteError={null}
+        onClose={vi.fn()}
+        onRetry={vi.fn()}
+        onBuy={vi.fn()}
+        onRequestMembershipQuote={onRequestMembershipQuote}
+        onSubmitMembershipCheckout={vi.fn()}
+        onConfirmNativePayment={vi.fn()}
+        onCloseNativePayment={vi.fn()}
+      />,
+    );
+
+    // 状态卡仍认得当前档位，而不是退化成「会员」。
+    expect(screen.getByText('当前 Plus · 年付')).toBeTruthy();
+    // 有效会员看到的是补差升级，而不是可在有效会员上重复开通的「开通会员」。
+    await user.click(screen.getByRole('button', { name: 'Max 年付 补差升级' }));
+    expect(onRequestMembershipQuote).toHaveBeenCalledWith('max');
+
+    const checkout = screen.getByRole('dialog', { name: '确认套餐变更' });
+    // 即使原档位已禁用，升级摘要也要给出「原套餐标准年价」。
+    expect(within(checkout).getByText('原套餐标准年价')).toBeTruthy();
+    expect(within(checkout).getByText('¥990')).toBeTruthy();
+  });
+
   test('shows a placeholder instead of the list price while the upgrade quote is loading', async () => {
     const user = userEvent.setup();
 
diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
index c81eb11f6..e8bd6abea 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
@@ -936,7 +936,7 @@ function PlatformPointProductGrid({
 function PlatformRechargeCheckoutDialog({
   target,
   membershipPlans,
-  membership,
+  currentPlan,
   membershipQuote,
   isLoadingMembershipQuote,
   membershipQuoteError,
@@ -949,7 +949,8 @@ function PlatformRechargeCheckoutDialog({
 }: {
   target: PlatformProfileRechargeCheckoutTarget;
   membershipPlans: ProfileMembershipPlanRecord[];
-  membership: ProfileMembership | null;
+  /** 会员当前档位；来自未过滤目录，档位被后台临时禁用时仍保留「原套餐标准价」。 */
+  currentPlan: ProfileMembershipPlanRecord | null;
   membershipQuote: ProfileMembershipUpgradeQuote | null;
   isLoadingMembershipQuote: boolean;
   membershipQuoteError: string | null;
@@ -1001,8 +1002,6 @@ function PlatformRechargeCheckoutDialog({
     ? (plan?.yearPriceCents ?? 0)
     : (plan?.monthPriceCents ?? 0);
   const isUpgrade = target.mode === 'upgrade';
-  const currentPlan =
-    membershipPlans.find((item) => item.plan === membership?.plan) ?? null;
   const productId = resolveMembershipProductId(target.plan, target.cycleKind);
   const submitting = submittingProductId === productId;
   const quoteForTarget =
@@ -1317,10 +1316,14 @@ export function PlatformProfileRechargeModal({
     () => center?.pointProducts ?? [],
     [center?.pointProducts],
   );
+  // 当前档位必须从「未过滤目录」里查：会员有效期内若该档被后台临时禁用，
+  // 过滤后的 membershipPlans 查不到会把有效会员误判成非会员（状态卡丢标题、按钮变「开通会员」）。
   const currentPlanRecord = useMemo(
     () =>
-      membershipPlans.find((plan) => plan.plan === membership?.plan) ?? null,
-    [membership?.plan, membershipPlans],
+      (center?.membershipPlans ?? []).find(
+        (plan) => plan.plan === membership?.plan,
+      ) ?? null,
+    [center?.membershipPlans, membership?.plan],
   );
   const [activeTab, setActiveTab] =
     useState<PlatformProfileRechargeTab>('subscription');
@@ -1546,7 +1549,7 @@ export function PlatformProfileRechargeModal({
         <PlatformRechargeCheckoutDialog
           target={checkout}
           membershipPlans={membershipPlans}
-          membership={membership}
+          currentPlan={currentPlanRecord}
           membershipQuote={membershipQuote}
           isLoadingMembershipQuote={isLoadingMembershipQuote}
           membershipQuoteError={membershipQuoteError}