diff --git a/src/app/chat/__tests__/chat-screen.helpers.test.ts b/src/app/chat/__tests__/chat-screen.helpers.test.ts
new file mode 100644
index 00000000..690afada
--- /dev/null
+++ b/src/app/chat/__tests__/chat-screen.helpers.test.ts
@@ -0,0 +1,35 @@
+import { describe, expect, it } from "vitest";
+
+import { getInsufficientCreditsMessageLimitView } from "../chat-screen.helpers";
+
+describe("getInsufficientCreditsMessageLimitView", () => {
+  it("asks guests to log in for more free chats", () => {
+    expect(getInsufficientCreditsMessageLimitView("guest")).toEqual({
+      title: "Log in to get more free chats",
+      description: "Free chats refresh every day. Log in to get more chances.",
+      ctaLabel: "Log in to continue",
+      action: "auth",
+    });
+  });
+
+  it("treats the transient not logged in state like guest", () => {
+    expect(getInsufficientCreditsMessageLimitView("notLoggedIn")).toEqual({
+      title: "Log in to get more free chats",
+      description: "Free chats refresh every day. Log in to get more chances.",
+      ctaLabel: "Log in to continue",
+      action: "auth",
+    });
+  });
+
+  it.each(["email", "facebook", "google", "apple"] as const)(
+    "asks %s users to top up credits",
+    (loginStatus) => {
+      expect(getInsufficientCreditsMessageLimitView(loginStatus)).toEqual({
+        title: "Insufficient credits\nTop up to continue chatting",
+        description: "Free chats refresh every day. You can also top up credits now.",
+        ctaLabel: "Top up credits to continue",
+        action: "topup",
+      });
+    },
+  );
+});
diff --git a/src/app/chat/chat-screen.helpers.ts b/src/app/chat/chat-screen.helpers.ts
index dbb4e122..f01025c1 100644
--- a/src/app/chat/chat-screen.helpers.ts
+++ b/src/app/chat/chat-screen.helpers.ts
@@ -9,10 +9,39 @@ export interface ExternalBrowserPromptState {
   loginStatus: LoginStatus;
 }
 
+export type InsufficientCreditsAction = "auth" | "topup";
+
+export interface InsufficientCreditsMessageLimitView {
+  title: string;
+  description: string;
+  ctaLabel: string;
+  action: InsufficientCreditsAction;
+}
+
 export function deriveIsGuest(loginStatus: LoginStatus): boolean {
   return loginStatus === "guest";
 }
 
+export function getInsufficientCreditsMessageLimitView(
+  loginStatus: LoginStatus,
+): InsufficientCreditsMessageLimitView {
+  if (loginStatus === "guest" || loginStatus === "notLoggedIn") {
+    return {
+      title: "Log in to get more free chats",
+      description: "Free chats refresh every day. Log in to get more chances.",
+      ctaLabel: "Log in to continue",
+      action: "auth",
+    };
+  }
+
+  return {
+    title: "Insufficient credits",
+    description: "Free chats refresh every day. You can also top up credits now.",
+    ctaLabel: "Top up credits to continue",
+    action: "topup",
+  };
+}
+
 export function isChatDevelopmentEnvironment(): boolean {
   return AppEnvUtil.isDevelopment();
 }
diff --git a/src/app/chat/chat-screen.tsx b/src/app/chat/chat-screen.tsx
index 94a6d8e9..4cb4a918 100644
--- a/src/app/chat/chat-screen.tsx
+++ b/src/app/chat/chat-screen.tsx
@@ -30,6 +30,7 @@ import {
 } from "./components";
 import {
   deriveIsGuest,
+  getInsufficientCreditsMessageLimitView,
   getInsufficientCreditsSubscriptionType,
   isChatDevelopmentEnvironment,
   shouldStartExternalBrowserPrompt,
@@ -61,9 +62,9 @@ export function ChatScreen() {
   const showMessageLimitBanner =
     state.upgradePromptVisible &&
     state.upgradeReason === "insufficient_credits";
-  const messageLimitTitle =
-    "Insufficient credits\nTop up to continue chatting";
-  const messageLimitCtaLabel = "Top up credits to continue";
+  const messageLimitView = getInsufficientCreditsMessageLimitView(
+    authState.loginStatus,
+  );
   const firstRechargeOfferBanner = useFirstRechargeOfferBanner({
     historyLoaded: state.historyLoaded,
     loginStatus: authState.loginStatus,
@@ -141,6 +142,11 @@ export function ChatScreen() {
   }
 
   function handleMessageLimitUnlock(): void {
+    if (messageLimitView.action === "auth") {
+      navigator.openAuth(ROUTES.chat);
+      return;
+    }
+
     navigator.openSubscription({
       type: getInsufficientCreditsSubscriptionType(userState.isVip),
       returnTo: "chat",
@@ -190,8 +196,9 @@ export function ChatScreen() {
 
           {showMessageLimitBanner ? (
             <ChatInsufficientCreditsBanner
-              title={messageLimitTitle}
-              ctaLabel={messageLimitCtaLabel}
+              title={messageLimitView.title}
+              description={messageLimitView.description}
+              ctaLabel={messageLimitView.ctaLabel}
               onUnlock={handleMessageLimitUnlock}
             />
           ) : (
diff --git a/src/app/chat/components/chat-insufficient-credits-banner.module.css b/src/app/chat/components/chat-insufficient-credits-banner.module.css
index ac65a814..b8424c5f 100644
--- a/src/app/chat/components/chat-insufficient-credits-banner.module.css
+++ b/src/app/chat/components/chat-insufficient-credits-banner.module.css
@@ -25,11 +25,20 @@
   font-size: var(--responsive-card-title, 18px);
   font-weight: 600;
   line-height: 1.4;
-  margin: 0 0 var(--spacing-lg, 16px);
+  margin: 0 0 var(--spacing-sm, 8px);
   /* 与 splash 标题的粉色字保持视觉一致（白底渐变叠加层需要白字保证可读性） */
   opacity: 0.95;
 }
 
+.description {
+  max-width: min(100%, 360px);
+  margin: 0 auto var(--spacing-lg, 16px);
+  color: rgba(255, 255, 255, 0.88);
+  font-size: var(--responsive-caption, 13px);
+  font-weight: 600;
+  line-height: 1.45;
+}
+
 .cta {
   width: 100%;
   min-height: var(--responsive-control-height, 48px);
diff --git a/src/app/chat/components/chat-insufficient-credits-banner.tsx b/src/app/chat/components/chat-insufficient-credits-banner.tsx
index 435fcd9b..531f5cd6 100644
--- a/src/app/chat/components/chat-insufficient-credits-banner.tsx
+++ b/src/app/chat/components/chat-insufficient-credits-banner.tsx
@@ -22,6 +22,7 @@ import styles from "./chat-insufficient-credits-banner.module.css";
 
 export interface ChatInsufficientCreditsBannerProps {
   title?: string;
+  description?: string;
   ctaLabel?: string;
   /**
    * 自定义点击回调（不传则默认走统一订阅导航）
@@ -33,6 +34,7 @@ export interface ChatInsufficientCreditsBannerProps {
 
 export function ChatInsufficientCreditsBanner({
   title = "Insufficient credits\nTop up to continue chatting",
+  description,
   ctaLabel = "Top up credits to continue",
   onUnlock,
 }: ChatInsufficientCreditsBannerProps) {
@@ -62,6 +64,9 @@ export function ChatInsufficientCreditsBanner({
           </span>
         ))}
       </p>
+      {description ? (
+        <p className={styles.description}>{description}</p>
+      ) : null}
       <button
         type="button"
         className={styles.cta}