diff --git a/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java b/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
index db524b05b..75f188080 100644
--- a/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
+++ b/src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java
@@ -466,9 +466,9 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
                 client.put("show_all_permission", checkBDPermission > 0);
                 if (checkBDPermission > 0) {
                     JSONObject org = orgMapper.findOne(manager.getIntValue("org_id"));
-                    boolean bdRateEditable = client.getIntValue("approve_result") != 1 ||
-                            (client.getIntValue("upay_approve_result") !=1 && !client.containsKey("upay_approve_result") && client.getIntValue("upay_approve_result") !=4)
-                            || org.getBooleanValue("rate_editable");
+                    boolean bdRateEditable = client.getIntValue("approve_result") != 1 || org.getBooleanValue("rate_editable") ||
+                            //开起信用卡支付申请，并且申请结果不是：null.新建 1.通过 4.BD已提交资料状态
+                   ( !clientConfig.getBoolean("enable_card_payment") && !client.containsKey("upay_approve_result") && client.getIntValue("upay_approve_result") !=1 && client.getIntValue("upay_approve_result") !=4);
                     client.put("rate_editable", bdRateEditable);
                 } else {
                     client.put("company_phone", "******");
diff --git a/src/main/resources/templates/pdf/letter_of_offer.pdf b/src/main/resources/templates/pdf/letter_of_offer.pdf
index 2aa701a83..a6a8a6ade 100644
Binary files a/src/main/resources/templates/pdf/letter_of_offer.pdf and b/src/main/resources/templates/pdf/letter_of_offer.pdf differ