diff --git a/backend/internal/repository/account_repo.go b/backend/internal/repository/account_repo.go
index a9cb2cba..a0e17469 100644
--- a/backend/internal/repository/account_repo.go
+++ b/backend/internal/repository/account_repo.go
@@ -397,9 +397,9 @@ func (r *accountRepository) Update(ctx context.Context, account *service.Account
 	if err := enqueueSchedulerOutbox(ctx, r.sql, service.SchedulerOutboxEventAccountChanged, &account.ID, nil, buildSchedulerGroupPayload(account.GroupIDs)); err != nil {
 		logger.LegacyPrintf("repository.account", "[SchedulerOutbox] enqueue account update failed: account=%d err=%v", account.ID, err)
 	}
-	if account.Status == service.StatusError || account.Status == service.StatusDisabled || !account.Schedulable {
-		r.syncSchedulerAccountSnapshot(ctx, account.ID)
-	}
+	// 普通账号编辑（如 model_mapping / credentials）也需要立即刷新单账号快照，
+	// 否则网关在 outbox worker 延迟或异常时仍可能读到旧配置。
+	r.syncSchedulerAccountSnapshot(ctx, account.ID)
 	return nil
 }
 
diff --git a/backend/internal/repository/account_repo_integration_test.go b/backend/internal/repository/account_repo_integration_test.go
index 29b699e6..e697802e 100644
--- a/backend/internal/repository/account_repo_integration_test.go
+++ b/backend/internal/repository/account_repo_integration_test.go
@@ -142,6 +142,35 @@ func (s *AccountRepoSuite) TestUpdate_SyncSchedulerSnapshotOnDisabled() {
 	s.Require().Equal(service.StatusDisabled, cacheRecorder.setAccounts[0].Status)
 }
 
+func (s *AccountRepoSuite) TestUpdate_SyncSchedulerSnapshotOnCredentialsChange() {
+	account := mustCreateAccount(s.T(), s.client, &service.Account{
+		Name:        "sync-credentials-update",
+		Status:      service.StatusActive,
+		Schedulable: true,
+		Credentials: map[string]any{
+			"model_mapping": map[string]any{
+				"gpt-5": "gpt-5.1",
+			},
+		},
+	})
+	cacheRecorder := &schedulerCacheRecorder{}
+	s.repo.schedulerCache = cacheRecorder
+
+	account.Credentials = map[string]any{
+		"model_mapping": map[string]any{
+			"gpt-5": "gpt-5.2",
+		},
+	}
+	err := s.repo.Update(s.ctx, account)
+	s.Require().NoError(err, "Update")
+
+	s.Require().Len(cacheRecorder.setAccounts, 1)
+	s.Require().Equal(account.ID, cacheRecorder.setAccounts[0].ID)
+	mapping, ok := cacheRecorder.setAccounts[0].Credentials["model_mapping"].(map[string]any)
+	s.Require().True(ok)
+	s.Require().Equal("gpt-5.2", mapping["gpt-5"])
+}
+
 func (s *AccountRepoSuite) TestDelete() {
 	account := mustCreateAccount(s.T(), s.client, &service.Account{Name: "to-delete"})