diff --git a/backend/app/api/v1/quotation.py b/backend/app/api/v1/quotation.py
index bc5addc..3ffad56 100644
--- a/backend/app/api/v1/quotation.py
+++ b/backend/app/api/v1/quotation.py
@@ -6,6 +6,7 @@ from app.database import get_db
 from app.services.quotation import QuotationService
 from app.services.pdf_generator import pdf_generator
 from app.services import export
+from app.services.credit import CreditService
 from app.api.v1.deps import get_current_user_id
 from app.models.quotation import Quotation
 from app.models.customer import Customer
@@ -35,6 +36,14 @@ async def generate_from_inquiry(
     user_id: str = Depends(get_current_user_id),
     db: AsyncSession = Depends(get_db),
 ):
+    credit_svc = CreditService(db)
+    ok, balance = await credit_svc.deduct(user_id, "quotation")
+    if not ok:
+        raise HTTPException(
+            status_code=402,
+            detail=f"次数不足 (剩余 {balance:.1f}, 需要 2)"
+        )
+
     service = QuotationService(db)
     result = await service.generate_from_inquiry(
         user_id=user_id,