diff --git a/assets/css/routes/user-center/revenue-earnings.css b/assets/css/routes/user-center/revenue-earnings.css
index c33d142d..8e211085 100644
--- a/assets/css/routes/user-center/revenue-earnings.css
+++ b/assets/css/routes/user-center/revenue-earnings.css
@@ -110,13 +110,6 @@
   gap: 4px 16px;
 }
 
-/* 待偿欠款：退款收回不足挂账，副信息里以描边标签弱提示。 */
-.uc-content .uc-commission-card__debt {
-  padding: 0 8px;
-  border-radius: 999px;
-  background: rgba(255, 255, 255, .22);
-}
-
 /* 立即提现按钮：贴右居中，对齐参考主题 .abs-right。 */
 .uc-content .uc-commission-card__action {
   position: absolute;
diff --git a/inc/helpers/user-center-renderers/profile-revenue.php b/inc/helpers/user-center-renderers/profile-revenue.php
index bc39d3f1..ae7638dc 100644
--- a/inc/helpers/user-center-renderers/profile-revenue.php
+++ b/inc/helpers/user-center-renderers/profile-revenue.php
@@ -121,7 +121,6 @@ $status_labels = [
 $pool_amount = $format_amount($commission_stats['pool'] ?? 0);
 $total_amount = $format_amount($commission_stats['total'] ?? 0);
 $withdrawn_amount = $format_amount($commission_stats['withdrawn'] ?? 0);
-$debt_amount = $format_amount($commission_stats['debt'] ?? 0);
 $reward_panes = ['detail'];
 if ($affiliate_on) {
     $reward_panes[] = 'orders';
@@ -148,7 +147,6 @@ $pane_is_active = static function (string $tab) use ($active_reward_tab): bool {
                 <p class="uc-commission-card__meta">
                     <span><?php printf(esc_html__('累计佣金 ¥%s', 'aksrt'), esc_html($total_amount)); ?></span>
                     <span><?php printf(esc_html__('已提现 ¥%s', 'aksrt'), esc_html($withdrawn_amount)); ?></span>
-                    <?php if (($commission_stats['debt'] ?? '0.00') !== '0.00') : ?><span class="uc-commission-card__debt"><?php printf(esc_html__('待偿欠款 ¥%s', 'aksrt'), esc_html($debt_amount)); ?></span><?php endif; ?>
                 </p>
             </div>
             <?php if ($withdraw_on) : ?>
@@ -178,7 +176,7 @@ $pane_is_active = static function (string $tab) use ($active_reward_tab): bool {
                 </div>
                 <?php if ($affiliate_on) : ?>
                 <div class="uc-revenue-summary-row"><span><?php esc_html_e('佣金比例', 'aksrt'); ?></span><strong data-affiliate-ratio><?php echo esc_html((string) $commission_ratio); ?>%</strong></div>
-                <div class="uc-revenue-summary-row uc-revenue-summary-row--total"><span><?php esc_html_e('累计佣金', 'aksrt'); ?></span><div><strong><?php printf(esc_html__('累计 %s 元', 'aksrt'), esc_html($total_amount)); ?></strong><strong><?php printf(esc_html__('已提现 %s 元', 'aksrt'), esc_html($withdrawn_amount)); ?></strong><?php if (($commission_stats['debt'] ?? '0.00') !== '0.00') : ?><strong><?php printf(esc_html__('待偿欠款 %s 元', 'aksrt'), esc_html($debt_amount)); ?></strong><?php endif; ?></div></div>
+                <div class="uc-revenue-summary-row uc-revenue-summary-row--total"><span><?php esc_html_e('累计佣金', 'aksrt'); ?></span><div><strong><?php printf(esc_html__('累计 %s 元', 'aksrt'), esc_html($total_amount)); ?></strong><strong><?php printf(esc_html__('已提现 %s 元', 'aksrt'), esc_html($withdrawn_amount)); ?></strong></div></div>
                 <div class="uc-revenue-summary-row uc-revenue-summary-row--explain"><span><?php echo esc_html($details_title); ?></span><div class="uc-reward-richtext"><?php echo wp_kses_post(wpautop($details_text)); ?></div></div>
                 <?php endif; ?>
             </div>
diff --git a/tests/widget-system/referral-qr-contract.test.cjs b/tests/widget-system/referral-qr-contract.test.cjs
index ab15eaf8..f83a4085 100644
--- a/tests/widget-system/referral-qr-contract.test.cjs
+++ b/tests/widget-system/referral-qr-contract.test.cjs
@@ -22,6 +22,17 @@ test('QR generator is bundled locally; no external QR CDN in front-end sources',
 
 test('revenue detail card is a four-row info list with no standalone QR block', () => {
   const template = read('inc', 'helpers', 'user-center-renderers', 'profile-revenue.php')
+  // 待偿欠款不在 UI 暴露：欠款机制（挂账/偿还）照常运行，只是不渲染。
+  // 参考主题的佣金卡片也没有这个概念，故不作为平价目标。
+  assert.doesNotMatch(template, /待偿欠款/)
+  assert.doesNotMatch(template, /uc-commission-card__debt/)
+  assert.doesNotMatch(template, /\$debt_amount/)
+  const css = read('assets', 'css', 'routes', 'user-center', 'revenue-earnings.css')
+  assert.doesNotMatch(css, /uc-commission-card__debt/)
+  // overview() 仍返回 debt（偿还逻辑依赖），fallback 形状必须与之一致。
+  assert.match(template, /'debt' => 0/)
+  const ledger = read('src', 'Payment', 'CommissionLedger.php')
+  assert.match(ledger, /'debt'\s*=>/)
   // 二维码不再作为独立行：整行 markup 已删除。
   assert.doesNotMatch(template, /data-affiliate-qr-row/)
   assert.doesNotMatch(template, /data-affiliate-qr(?!-)/)