diff --git a/pages/index/index.js b/pages/index/index.js
index 3000807..3cb0b50 100644
--- a/pages/index/index.js
+++ b/pages/index/index.js
@@ -2,6 +2,8 @@
 const storage = require('../../utils/storage')
 const dateUtils = require('../../utils/date')
 const fmt = require('../../utils/format')
+const api = require('../../utils/api')
+const subscribe = require('../../utils/subscribe')
 
 Page({
   data: {
@@ -11,7 +13,8 @@ Page({
     currentFilter: 'all',
     totalCount: 0,
     upcomingCount: 0,
-    todayText: ''
+    todayText: '',
+    atRiskText: ''
   },
 
   onLoad() {
@@ -20,6 +23,9 @@ Page({
 
   onShow() {
     this.loadPersons()
+    this.refreshQuota()
+    // 提前查好订阅状态缓存到实例上：点击处理函数里不能再 await，否则手势上下文会丢
+    subscribe.getStatus().then(status => { this.subscribeStatus = status })
   },
 
   /**
@@ -159,6 +165,49 @@ Page({
     })
   },
 
+  /**
+   * 拉取额度风险，拼成给用户看的文案
+   * 说「谁的提醒有风险」而不是「还剩几次额度」——用户理解不了额度这种抽象概念
+   */
+  async refreshQuota() {
+    try {
+      const res = await api.subscribe('get')
+      if (!res || !res.success) return
+      const names = res.atRiskNames || []
+      let text = ''
+      if (names.length > 0 && names.length <= 3) {
+        text = names.join('、')
+      } else if (names.length > 3) {
+        text = names.slice(0, 3).join('、') + ' 等 ' + names.length + ' 人'
+      }
+      this.setData({ atRiskText: text })
+    } catch (e) {
+      // 查询失败就不显示提示，静默处理，不打扰用户
+      console.warn('[index] 额度查询失败', e)
+    }
+  },
+
+  /**
+   * 点击风险提示卡片补额度
+   * 注意：wx.requestSubscribeMessage / wx.openSetting 必须在这里同步调用，
+   * 前面绝不能有 await，否则手势上下文丢失、调用必然失败
+   */
+  onTopUp() {
+    const status = this.subscribeStatus
+    if (status === 'rejected' || status === 'mainSwitchOff') {
+      wx.openSetting({ withSubscriptions: true })
+      return
+    }
+    subscribe.requestAndReport().then(accepted => {
+      if (accepted) {
+        this.refreshQuota()
+        wx.showToast({ title: '已补充提醒次数', icon: 'success' })
+      } else {
+        wx.showToast({ title: '未开启提醒', icon: 'none' })
+      }
+    })
+  },
+
   /**
    * 点击添加按钮：直接进添加纪念日（方案 B：流程合并，姓名不存在自动建人）
    */
diff --git a/pages/index/index.wxml b/pages/index/index.wxml
index 48f90a6..6a9a88a 100644
--- a/pages/index/index.wxml
+++ b/pages/index/index.wxml
@@ -18,6 +18,12 @@
     </view>
   </view>
 
+  <!-- 额度风险提示卡片：谁的提醒可能发不出去，同时是补额度的主入口 -->
+  <view wx:if="{{atRiskText}}" class="quota-warn" bindtap="onTopUp">
+    <text class="quota-warn-icon">⚠️</text>
+    <text class="quota-warn-text">{{atRiskText}}的生日提醒可能发不出去，点这里补上</text>
+  </view>
+
   <!-- 搜索栏 -->
   <view class="search-wrap">
     <view class="search-box">
diff --git a/pages/index/index.wxss b/pages/index/index.wxss
index 3d4bf39..cae96ae 100644
--- a/pages/index/index.wxss
+++ b/pages/index/index.wxss
@@ -391,3 +391,27 @@ page {
   line-height: 1;
   margin-top: -4rpx;
 }
+
+/* 额度风险提示卡片：仅在有提醒可能发不出去时出现 */
+.quota-warn {
+  display: flex;
+  align-items: center;
+  margin: 0 32rpx 24rpx;
+  padding: 24rpx 28rpx;
+  background: #FBF3E4;
+  border: 2rpx solid #E0C89A;
+  border-radius: 12rpx;
+}
+
+.quota-warn-icon {
+  flex-shrink: 0;
+  margin-right: 16rpx;
+  font-size: 32rpx;
+}
+
+.quota-warn-text {
+  flex: 1;
+  font-size: 26rpx;
+  line-height: 1.5;
+  color: #8A5A1F;
+}