diff --git a/assets/css/routes/user-center/credits.css b/assets/css/routes/user-center/credits.css
index 5a233fc5..60ac09cd 100644
--- a/assets/css/routes/user-center/credits.css
+++ b/assets/css/routes/user-center/credits.css
@@ -179,6 +179,17 @@
   display: flex;
 }
 
+/* 购买积分弹窗壳与充值弹窗同构（服务端静态输出 .modal.flex.jc.fade），
+   静止态同样必须显式隐藏，否则 .flex 工具类会使其铺满全屏形成隐形遮罩，
+   拦截整页点击（2026-09-18 实测回归）。打开态由 initPointsPay 的内联
+   display:flex 驱动，关闭撤除内联样式后即回到隐藏规则。 */
+.modal[data-aksrt-points-pay-modal] {
+  display: none;
+}
+.modal[data-aksrt-points-pay-modal].in {
+  display: flex;
+}
+
 .balance-charge-form .zib-widget {
   clear: both;
   background-color: var(--main-bg-color);
diff --git a/tests/widget-system/balance-charge-modal.test.cjs b/tests/widget-system/balance-charge-modal.test.cjs
index 0896f389..3b94b7c8 100644
--- a/tests/widget-system/balance-charge-modal.test.cjs
+++ b/tests/widget-system/balance-charge-modal.test.cjs
@@ -43,6 +43,12 @@ test('弹窗壳静止态必须被 credits.css 显式隐藏（.flex 覆盖回归
   // .flex.jc 双轴居中（Zibll 生产环境即此形态）。
   assert.match(creditsCss, /\.modal\[data-aksrt-charge-modal\]\.in\s*\{\s*display:\s*flex;/);
   assert.doesNotMatch(creditsCss, /\.modal\[data-aksrt-charge-modal\]\.in\s*\{\s*display:\s*block;/);
+  // 购买积分弹窗壳同构（服务端静态输出 .modal.flex.jc.fade），静止态同样
+  // 必须显式隐藏，否则隐形遮罩拦截整页点击（2026-09-18 实测回归）。
+  const balance = read('inc', 'helpers', 'user-center-renderers', 'credits-balance.php');
+  assert.match(balance, /class="modal flex jc fade"[^>]*data-aksrt-points-pay-modal/);
+  assert.match(creditsCss, /\.modal\[data-aksrt-points-pay-modal\]\s*\{\s*display:\s*none;/);
+  assert.match(creditsCss, /\.modal\[data-aksrt-points-pay-modal\]\.in\s*\{\s*display:\s*flex;/);
 });
 
 test('开关自包含：不依赖 jQuery/Bootstrap modal 运行时', () => {