diff --git a/app/Controller/Payment/PaymentController.php b/app/Controller/Payment/PaymentController.php
index ca12b41..b2e1ea7 100644
--- a/app/Controller/Payment/PaymentController.php
+++ b/app/Controller/Payment/PaymentController.php
@@ -4,6 +4,8 @@ declare(strict_types=1);
 
 namespace App\Controller\Payment;
 
+use App\Exception\BusinessException;
+use App\Model\User;
 use App\Request\BindCardRequest;
 use App\Request\RegisterRequest;
 use App\Request\UnbindCardRequest;
@@ -103,7 +105,11 @@ class PaymentController extends AbstractController
     public function queryBindCards(RequestInterface $request)
     {
         [$app, $data, $token] = $this->parseReqest($request, UnbindCardRequest::class);
-        $this->userService->rsyncBankCards($data['userId']);
+        $user = User::where('app_id', $app->app_id)->where('user_id', $data['userId'])->first();
+        if (empty($user)) {
+            throw new BusinessException('用户不存在');
+        }
+        $this->userService->rsyncBankCards($user->member_id);
         $records = $this->userService->getUserBankCards($data['userId'], $app);
         return $this->success(['result' => $records]);
     }