diff --git a/.gitignore b/.gitignore
index 0e1b095..0eaaead 100644
--- a/.gitignore
+++ b/.gitignore
@@ -7,6 +7,7 @@ dist
 # core 后端环境变量需要进 CI 构建,放行它(其余 .env 仍忽略)
 !core/backend/.env
 .venv
+.idea/
 __pycache__/
 *.pyc
 db.sqlite3
@@ -33,3 +34,4 @@ docs/bug_todo/
 
 # pnpm 本地内容寻址存储
 .pnpm-store/
+
diff --git a/core/backend/apps/ai/generation_errors.py b/core/backend/apps/ai/generation_errors.py
index 3e6738a..b5db56a 100644
--- a/core/backend/apps/ai/generation_errors.py
+++ b/core/backend/apps/ai/generation_errors.py
@@ -369,6 +369,8 @@ def classify_generation_error(
     compact_code = re.sub(r"[^a-z0-9]", "", provider_code.lower())
 
     # 内容审核必须先于 HTTP 403 判断：部分供应商会以 403 返回 policy violation。
+    if _contains(signal, "insufficient credit", "余额不足", "额度不足", "credit limit exceeded"):
+        return _build_error("user_credit_insufficient", operation, reference_id=reference_id)
     if _contains(signal, "moderation_blocked", "safety_violation", "safety system", "content_policy", "policyviolation", "sensitivecontentdetected"):
         return _build_error("content_rejected", operation, reference_id=reference_id)
     if (
diff --git a/core/backend/apps/ai/test_generation_errors.py b/core/backend/apps/ai/test_generation_errors.py
index f270fff..b7049d3 100644
--- a/core/backend/apps/ai/test_generation_errors.py
+++ b/core/backend/apps/ai/test_generation_errors.py
@@ -78,6 +78,15 @@ class GenerationErrorClassifierTests(SimpleTestCase):
         self.assertEqual(error.code, "user_credit_insufficient")
         self.assertEqual(error.action, "recharge")
 
+    def test_insufficient_credit_is_detected_without_manual_internal_kind(self):
+        error = classify_generation_error(
+            ValueError("insufficient credit"),
+            operation="video_generate",
+        )
+        self.assertEqual(error.code, "user_credit_insufficient")
+        self.assertEqual(error.action, "recharge")
+        self.assertIn("积分不足", error.fallback_message)
+
     def test_moderation_takes_precedence_over_403(self):
         error = classify_generation_error(
             _http_error(403, "PolicyViolation", "safety_violation"),