diff --git a/agents/budget/workspace/skills/whooing-sync/scripts/whooing_sync.py b/agents/budget/workspace/skills/whooing-sync/scripts/whooing_sync.py
index 7c4e98f..30d4a13 100755
--- a/agents/budget/workspace/skills/whooing-sync/scripts/whooing_sync.py
+++ b/agents/budget/workspace/skills/whooing-sync/scripts/whooing_sync.py
@@ -921,6 +921,16 @@ def main():
                     if info.get("side") == "liability":
                         liability_payment_offset = int(liability_payment_offsets.get(info["account"], 0) or 0)
                     whoo_b = actual_whoo_b + liability_payment_offset
+                    # 카드사 누적사용액이 카드대금 상환을 반영하는지는 문자 형식/시점에 따라 다르다.
+                    # 실제 후잉 잔액이 보정 후 값보다 SMS에 더 가깝다면 보정치를 소진된 것으로 본다.
+                    if (
+                        liability_payment_offset
+                        and abs(actual_whoo_b - sms_b) < abs(whoo_b - sms_b)
+                    ):
+                        liability_payment_offsets[info["account"]] = 0
+                        liability_payment_offset = 0
+                        whoo_b = actual_whoo_b
+                        changed = True
                     diff = whoo_b - sms_b
                     prev = carriers_state.get(carrier, {})
                     prev_diff = prev.get("last_diff")