feat(user): 完善提现规则展示与秒杀购买交互

- 新增提现规则卡片，展示提现额度、最低提现、单次限额、每日限额、每日提现次数、提现时间、到账时间、手续费等
- 添加提现规则说明文字，提示审核时间、提现次数限制、金额范围和提现时间段
- 优化秒杀详情和秒杀页面购买按钮交互，增加秒杀状态提示（未开始、已结束、已抢光）
- 统一秒杀购买事件处理函数名为 handleBuyClick，取消按钮条件绑定，增强点击响应体验
- 新增提现规则相关样式，确保提现规则卡和说明区块视觉效果一致

src/pages/seckill-detail.tsx

@@ -91,14 +91,26 @@ const SeckillDetailPage: React.FC = () => {
     setCountdown(`${hours.toString().padStart(2, '0')}:${minutes.toString().padStart(2, '0')}:${seconds.toString().padStart(2, '0')}`)
   }
 
-  const handleBuyNow = () => {
+  const handleBuyClick = () => {
     if (!seckill) return
 
-    if (seckill.stock <= 0) {
-      Taro.showToast({ title: '已抢光', icon: 'none' })
+    if (seckill.status === 0) {
+      Taro.showToast({ title: '活动尚未开始，请耐心等待', icon: 'none' })
       return
     }
 
+    if (seckill.status === 2 || new Date(seckill.endTime).getTime() <= Date.now()) {
+      Taro.showToast({ title: '活动已结束，下次再来', icon: 'none' })
+      return
+    }
+
+    if (seckill.stock <= 0) {
+      Taro.showToast({ title: '已抢光，下次再来', icon: 'none' })
+      return
+    }
+
+    if (submitting) return
+
     // 先拉取商品规格（如果没有的话）
     if (!product && seckill.goodsId) {
       Taro.showLoading({ title: '加载规格...' })
@@ -255,8 +267,11 @@ const SeckillDetailPage: React.FC = () => {
       <View className="bg-white border-t border-gray-100 px-4 py-3">
         <View
           className="w-full py-3 rounded-full text-white text-center text-base font-medium"
-          style={{ backgroundColor: isActive ? '#ef4444' : '#d1d5db' }}
-          onClick={isActive && !submitting ? handleBuyNow : undefined}
+          style={{
+            backgroundColor: isActive && !submitting ? '#ef4444' : '#d1d5db',
+            opacity: submitting ? 0.7 : 1,
+          }}
+          onClick={handleBuyClick}
         >
           <Text>
             {submitting ? '抢购中...' : isActive ? (seckill.stock > 0 ? '立即抢购' : '已抢光') : seckill.status === 0 ? '即将开始' : '已结束'}

src/pages/shop/seckill-detail/index.tsx

@@ -91,14 +91,26 @@ const SeckillDetailPage: React.FC = () => {
     setCountdown(`${hours.toString().padStart(2, '0')}:${minutes.toString().padStart(2, '0')}:${seconds.toString().padStart(2, '0')}`)
   }
 
-  const handleBuyNow = () => {
+  const handleBuyClick = () => {
     if (!seckill) return
 
-    if (seckill.stock <= 0) {
-      Taro.showToast({ title: '已抢光', icon: 'none' })
+    if (seckill.status === 0) {
+      Taro.showToast({ title: '活动尚未开始，请耐心等待', icon: 'none' })
       return
     }
 
+    if (seckill.status === 2 || new Date(seckill.endTime).getTime() <= Date.now()) {
+      Taro.showToast({ title: '活动已结束，下次再来', icon: 'none' })
+      return
+    }
+
+    if (seckill.stock <= 0) {
+      Taro.showToast({ title: '已抢光，下次再来', icon: 'none' })
+      return
+    }
+
+    if (submitting) return
+
     // 先拉取商品规格（如果没有的话）
     if (!product && seckill.goodsId) {
       Taro.showLoading({ title: '加载规格...' })
@@ -255,8 +267,11 @@ const SeckillDetailPage: React.FC = () => {
       <View className="bg-white border-t border-gray-100 px-4 py-3">
         <View
           className="w-full py-3 rounded-full text-white text-center text-base font-medium"
-          style={{ backgroundColor: isActive ? '#ef4444' : '#d1d5db' }}
-          onClick={isActive && !submitting ? handleBuyNow : undefined}
+          style={{
+            backgroundColor: isActive && !submitting ? '#ef4444' : '#d1d5db',
+            opacity: submitting ? 0.7 : 1,
+          }}
+          onClick={handleBuyClick}
         >
           <Text>
             {submitting ? '抢购中...' : isActive ? (seckill.stock > 0 ? '立即抢购' : '已抢光') : seckill.status === 0 ? '即将开始' : '已结束'}

src/pages/user/withdraw/index.scss

@@ -89,6 +89,72 @@
   font-weight: bold;
 }
 
+/* 提现规则卡片 */
+.rules-card {
+  margin: 0 24rpx 24rpx;
+  padding: 32rpx;
+  background: #fff;
+  border-radius: 16rpx;
+}
+
+.rules-title {
+  margin-bottom: 24rpx;
+  padding-bottom: 20rpx;
+  border-bottom: 2rpx solid #f0f0f0;
+}
+
+.rules-title-text {
+  font-size: 30rpx;
+  font-weight: bold;
+  color: #333;
+}
+
+.rules-list {
+  display: flex;
+  flex-direction: column;
+  gap: 0;
+}
+
+.rule-item {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  padding: 18rpx 0;
+  border-bottom: 1rpx solid #f8f8f8;
+}
+
+.rule-item:last-child {
+  border-bottom: none;
+}
+
+.rule-label {
+  font-size: 26rpx;
+  color: #666;
+  flex-shrink: 0;
+}
+
+.rule-value {
+  font-size: 26rpx;
+  color: #ff6b35;
+  font-weight: bold;
+}
+
+/* 规则说明 */
+.rules-note {
+  margin-top: 24rpx;
+  padding: 24rpx;
+  background: #fff9f5;
+  border-radius: 12rpx;
+  border-left: 6rpx solid #ff6b35;
+}
+
+.rules-note-text {
+  font-size: 24rpx;
+  color: #888;
+  line-height: 1.8;
+  display: block;
+}
+
 .submit-btn {
   margin: 48rpx 24rpx;
   padding: 24rpx 0;

src/pages/user/withdraw/index.tsx

@@ -126,23 +126,77 @@ export default function WithdrawPage() {
         )}
       </View>
 
-      <View className="config-card">
-        <View className="config-item">
-          <Text className="config-label">单次限额</Text>
-          <Text className="config-value">¥{config.withdraw_max_amount || '200'}</Text>
+      {/* 提现规则 */}
+      <View className="rules-card">
+        <View className="rules-title">
+          <Text className="rules-title-text">提现规则</Text>
         </View>
-        <View className="config-item">
-          <Text className="config-label">每日限额</Text>
-          <Text className="config-value">¥{config.withdraw_daily_limit || '2000'}</Text>
-        </View>
-        {config.withdraw_time_start && (
-          <View className="config-item">
-            <Text className="config-label">提现时间</Text>
-            <Text className="config-value">
-              {config.withdraw_time_start} - {config.withdraw_time_end}
-            </Text>
+        <View className="rules-list">
+          <View className="rule-item">
+            <Text className="rule-label">可提现额度</Text>
+            <Text className="rule-value">¥{stats.withdrawingTotal || '0.00'}</Text>
           </View>
-        )}
+          <View className="rule-item">
+            <Text className="rule-label">最低提现</Text>
+            <Text className="rule-value">¥{config.withdraw_min_amount || '10'}起</Text>
+          </View>
+          <View className="rule-item">
+            <Text className="rule-label">单次限额</Text>
+            <Text className="rule-value">¥{config.withdraw_max_amount || '200'}</Text>
+          </View>
+          <View className="rule-item">
+            <Text className="rule-label">每日限额</Text>
+            <Text className="rule-value">¥{config.withdraw_daily_limit || '2000'}</Text>
+          </View>
+          <View className="rule-item">
+            <Text className="rule-label">每日提现次数</Text>
+            <Text className="rule-value">{config.withdraw_daily_count || 3}次/天</Text>
+          </View>
+          {config.withdraw_time_start ? (
+            <View className="rule-item">
+              <Text className="rule-label">提现时间</Text>
+              <Text className="rule-value">{config.withdraw_time_start} - {config.withdraw_time_end}</Text>
+            </View>
+          ) : (
+            <View className="rule-item">
+              <Text className="rule-label">提现时间</Text>
+              <Text className="rule-value">全天可提</Text>
+            </View>
+          )}
+          <View className="rule-item">
+            <Text className="rule-label">到账时间</Text>
+            <Text className="rule-value">{config.arrival_time || '1-3个工作日'}</Text>
+          </View>
+          {config.withdraw_fee_rate && parseFloat(config.withdraw_fee_rate) > 0 ? (
+            <View className="rule-item">
+              <Text className="rule-label">手续费</Text>
+              <Text className="rule-value">{config.withdraw_fee_rate}%</Text>
+            </View>
+          ) : (
+            <View className="rule-item">
+              <Text className="rule-label">手续费</Text>
+              <Text className="rule-value">免手续费</Text>
+            </View>
+          )}
+        </View>
+
+        {/* 规则说明 */}
+        <View className="rules-note">
+          <Text className="rules-note-text">
+            • 提现申请提交后将在1-3个工作日内审核到账，遇节假日顺延
+          </Text>
+          <Text className="rules-note-text">
+            • 每日提现次数上限为{config.withdraw_daily_count || 3}次，超出后次日可继续申请
+          </Text>
+          <Text className="rules-note-text">
+            • 单次提现金额范围为¥{config.withdraw_min_amount || '10'} - ¥{config.withdraw_max_amount || '200'}
+          </Text>
+          {config.withdraw_time_start && (
+            <Text className="rules-note-text">
+              • 仅在{config.withdraw_time_start}-{config.withdraw_time_end}期间可发起提现
+            </Text>
+          )}
+        </View>
       </View>
 
       <View