diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
index e8bd6abea..619bfae2e 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
@@ -392,9 +392,13 @@ function resolveMembershipPlanAction(
 ): MembershipPlanAction {
   const isActive =
     membership?.status === 'active' && membership.plan !== 'normal';
-  if (!isActive || !membership || !currentPlan) {
+  if (!isActive || !membership) {
     return { disabled: false, label: '开通会员', mode: 'purchase' };
   }
+  // 有效会员但目录里查不到当前档位：无法判定升降档，禁用下单而不是退化成「新购」。
+  if (!currentPlan) {
+    return { disabled: true, label: '套餐信息缺失', mode: 'purchase' };
+  }
   if (plan.plan === membership.plan) {
     return { disabled: true, label: '当前套餐', mode: 'purchase' };
   }