diff --git a/src/components/UseProductPop/index.jsx b/src/components/UseProductPop/index.jsx
index 53cbb361..031b3656 100644
--- a/src/components/UseProductPop/index.jsx
+++ b/src/components/UseProductPop/index.jsx
@@ -540,7 +540,12 @@ const UseProductPop = forwardRef((props, ref) => {
               >
                 直充
               </RadioButton>
-              <RadioButton value={2} disabled={props.isSettlement === 1}>
+              <RadioButton
+                value={2}
+                disabled={
+                  props.isSettlement === 1 && props.settlementData && props.settlementData.key === 7
+                }
+              >
                 卡密
               </RadioButton>
               <RadioButton