diff --git a/app/(dashboard)/settings/settings-page-client.tsx b/app/(dashboard)/settings/settings-page-client.tsx
index c3a6383..149ae91 100644
--- a/app/(dashboard)/settings/settings-page-client.tsx
+++ b/app/(dashboard)/settings/settings-page-client.tsx
@@ -492,7 +492,7 @@ export default function SettingsPage({ billingOnly = false }: { billingOnly?: bo
                   <p className="text-sm text-muted-foreground mt-1">
                     {billing.subscription.hasActiveSubscription
                       ? hasScheduledCancellation
-                        ? billing.subscription.hasActiveTrial
+                        ? billing.subscription.status === 'TRIALING'
                           ? 'Trial canceled. Access remains active until the trial ends.'
                           : 'Subscription canceled. Access remains active until the end of the current billing period.'
                         : 'Paid account with workspace creation unlocked.'
@@ -512,11 +512,11 @@ export default function SettingsPage({ billingOnly = false }: { billingOnly?: bo
               !billing.subscription.hasActiveSubscription ? (
                 <p className="rounded-md border border-destructive/30 bg-destructive/10 px-3 py-2 text-sm font-medium text-destructive">
                   Your latest payment didn&apos;t go through. Update your payment method to keep
-                  your subscription — starting a new one would create a duplicate.
+                  your subscription. Starting a new one would create a duplicate.
                 </p>
               ) : null}
 
-              {billing.subscription.hasActiveTrial &&
+              {billing.subscription.status === 'TRIALING' &&
               billing.subscription.trialEndsAt &&
               hasScheduledCancellation ? (
                 <p className="rounded-md border border-destructive/30 bg-destructive/10 px-3 py-2 text-sm font-medium text-destructive">
@@ -535,7 +535,7 @@ export default function SettingsPage({ billingOnly = false }: { billingOnly?: bo
 
               {hasScheduledCancellation && billing.subscription.cancelAt ? (
                 <p className="text-sm text-muted-foreground">
-                  Cancellation was scheduled on{' '}
+                  Cancellation takes effect on{' '}
                   {new Date(billing.subscription.cancelAt).toLocaleDateString()}.
                 </p>
               ) : null}
diff --git a/tests/component/settings-billing.test.tsx b/tests/component/settings-billing.test.tsx
new file mode 100644
index 0000000..4f1c4a9
--- /dev/null
+++ b/tests/component/settings-billing.test.tsx
@@ -0,0 +1,72 @@
+import { afterEach, describe, expect, it, vi } from 'vitest';
+import { render, screen } from '@testing-library/react';
+import SettingsPage from '@/app/(dashboard)/settings/settings-page-client';
+
+function renderScheduledCancellation(status: 'ACTIVE' | 'TRIALING') {
+  vi.stubGlobal(
+    'fetch',
+    vi.fn(async (url: string) => {
+      if (url !== '/api/billing') return { ok: false };
+      return {
+        ok: true,
+        json: async () => ({
+          data: {
+            isEnabled: true,
+            isConfigured: true,
+            checkoutAvailable: false,
+            portalAvailable: true,
+            cancelAvailable: false,
+            needsPaymentFix: false,
+            openInvoice: null,
+            workspaceCreation: { canCreateWorkspace: true, canStartTrial: false },
+            subscription: {
+              status,
+              label: status === 'ACTIVE' ? 'Active' : 'Trialing',
+              hasActiveSubscription: true,
+              hasRecoverableSubscription: true,
+              hasActiveTrial: true,
+              hasBillingAccess: true,
+              currentPeriodEnd: '2026-10-08T12:00:00Z',
+              trialEndsAt: '2026-09-15T12:00:00Z',
+              cancelAtPeriodEnd: true,
+              cancelAt: '2026-10-08T12:00:00Z',
+            },
+          },
+        }),
+      };
+    })
+  );
+  render(<SettingsPage billingOnly />);
+}
+
+afterEach(() => vi.unstubAllGlobals());
+
+describe('scheduled cancellation in billing settings', () => {
+  it('keeps a paid subscription distinct from its remaining cardless trial', async () => {
+    renderScheduledCancellation('ACTIVE');
+
+    expect(
+      await screen.findByText(
+        'Subscription canceled. Access remains active until the end of the current billing period.'
+      )
+    ).toBeInTheDocument();
+    expect(screen.queryByText(/Trial canceled/)).not.toBeInTheDocument();
+    expect(screen.queryByText(/Access ends on/)).not.toBeInTheDocument();
+    expect(screen.getByText(/Your subscription ends on/)).toHaveTextContent(
+      new Date('2026-10-08T12:00:00Z').toLocaleDateString()
+    );
+    expect(screen.getByText(/Cancellation takes effect on/)).toBeInTheDocument();
+    expect(screen.queryByText(/Cancellation was scheduled on/)).not.toBeInTheDocument();
+  });
+
+  it('still explains the trial end for a Stripe trial subscription', async () => {
+    renderScheduledCancellation('TRIALING');
+
+    expect(
+      await screen.findByText('Trial canceled. Access remains active until the trial ends.')
+    ).toBeInTheDocument();
+    expect(screen.getByText(/Access ends on/)).toHaveTextContent(
+      new Date('2026-09-15T12:00:00Z').toLocaleDateString()
+    );
+  });
+});