diff --git a/frontend/src/components/virtual/VirtualTargetCardChart.tsx b/frontend/src/components/virtual/VirtualTargetCardChart.tsx
index 4d067f0..9542d46 100644
--- a/frontend/src/components/virtual/VirtualTargetCardChart.tsx
+++ b/frontend/src/components/virtual/VirtualTargetCardChart.tsx
@@ -16,6 +16,7 @@ import { useHistoryLoader } from '../../hooks/useHistoryLoader';
 import { useIndicatorSettings } from '../../hooks/useIndicatorSettings';
 import type { ChartManager } from '../../utils/ChartManager';
 import {
+  buildVirtualTradingCardChartIndicators,
   buildVirtualTradingChartIndicators,
   resolveStrategyPrimaryTimeframe,
   resolveStrategyTimeframes,
@@ -29,7 +30,6 @@ interface Props {
   theme?: Theme;
   running?: boolean;
   chartRealtimeSource?: ChartRealtimeSource;
-  /** 차트 설정 — 지표 가격축 라벨·설명 */
   chartSeriesPriceLabels?: boolean;
   chartPaneSeparator?: import('../../types/chartPaneSeparator').ChartPaneSeparatorOptions;
   /** 전체보기 분할 pane — 캔버스 높이 100% */
@@ -65,10 +65,11 @@ const VirtualTargetCardChart: React.FC<Props> = ({
     setTimeframe(resolveStrategyPrimaryTimeframe(strategy));
   }, [strategy, market, chartTimeframe]);
 
-  const indicators = useMemo(
-    () => buildVirtualTradingChartIndicators(strategy, getParams, getVisualConfig),
-    [strategy, getParams, getVisualConfig],
-  );
+  const indicators = useMemo(() => (
+    fillHeight
+      ? buildVirtualTradingChartIndicators(strategy, getParams, getVisualConfig)
+      : buildVirtualTradingCardChartIndicators(strategy, getParams, getVisualConfig)
+  ), [strategy, getParams, getVisualConfig, fillHeight]);
 
   const effectiveIndicators = useMemo(
     () => indicators.filter(ind => ind.timeframeVisibility?.[timeframe] !== false),
@@ -92,6 +93,10 @@ const VirtualTargetCardChart: React.FC<Props> = ({
     if (!pending || !mgr || barsMarketRef.current !== marketRef.current) return;
     pendingBarRef.current = null;
     mgr.updateBar(pending);
+    const wrap = canvasWrapRef.current;
+    if (wrap && wrap.clientHeight > 0) {
+      mgr.resetPaneHeights(wrap.clientHeight);
+    }
   }, []);
 
   const applyRealtimeBar = useCallback((bar: OHLCVBar, append: boolean) => {
@@ -134,6 +139,20 @@ const VirtualTargetCardChart: React.FC<Props> = ({
 
   barsMarketRef.current = barsMarket;
 
+  const barsReady = bars.length >= 2 && barsMarket === market;
+
+  const applyPaneHeights = useCallback(() => {
+    const wrap = canvasWrapRef.current;
+    const mgr = managerRef.current;
+    if (!wrap || wrap.clientHeight <= 0 || !mgr?.hasMainSeries()) return;
+    mgr.resetPaneHeights(wrap.clientHeight);
+  }, []);
+
+  const requestChartReload = useCallback(() => {
+    chartReloadTriggeredRef.current = true;
+    setChartReloadTick(t => t + 1);
+  }, []);
+
   useLayoutEffect(() => {
     chartLiveReadyRef.current = false;
     pendingBarRef.current = null;
@@ -141,23 +160,41 @@ const VirtualTargetCardChart: React.FC<Props> = ({
   }, [market, timeframe]);
 
   useEffect(() => {
-    const timers = [100, 200, 500, 1000, 2000].map(delay =>
+    const wrap = canvasWrapRef.current;
+    if (!wrap) return;
+
+    const timers = [100, 300, 800, 1500, 2500].map(delay =>
       setTimeout(() => {
-        const wrap = canvasWrapRef.current;
-        const mgr = managerRef.current;
-        if (!wrap) return;
-        const h = wrap.clientHeight;
+        if (!canvasWrapRef.current) return;
+        const h = canvasWrapRef.current.clientHeight;
         if (h <= 0) return;
-        if (mgr?.hasMainSeries()) {
-          mgr.resetPaneHeights(h);
-        } else if (!chartReloadTriggeredRef.current && delay >= 1000 && bars.length > 0) {
-          chartReloadTriggeredRef.current = true;
-          setChartReloadTick(t => t + 1);
+        if (managerRef.current?.hasMainSeries()) {
+          managerRef.current.resetPaneHeights(h);
+        } else if (!chartReloadTriggeredRef.current && delay >= 800 && barsReady) {
+          requestChartReload();
         }
       }, delay),
     );
-    return () => timers.forEach(clearTimeout);
-  }, [market, timeframe, bars.length]);
+
+    const ro = new ResizeObserver(() => applyPaneHeights());
+    ro.observe(wrap);
+
+    return () => {
+      timers.forEach(clearTimeout);
+      ro.disconnect();
+    };
+  }, [market, timeframe, barsReady, applyPaneHeights, requestChartReload]);
+
+  useEffect(() => {
+    if (!barsReady) return;
+    if (managerRef.current?.hasMainSeries()) {
+      applyPaneHeights();
+      return;
+    }
+    if (!chartReloadTriggeredRef.current) {
+      requestChartReload();
+    }
+  }, [barsReady, applyPaneHeights, requestChartReload]);
 
   useEffect(() => {
     if (!useUpbit) return;
@@ -195,8 +232,12 @@ const VirtualTargetCardChart: React.FC<Props> = ({
             <span>과거 데이터 로딩…</span>
           </div>
         )}
+        {!isLoading && !barsReady && (
+          <div className="vtd-card-chart-loading">캔들 데이터 수집 중…</div>
+        )}
         <TradingChart
           key={`${market}-${timeframe}-${chartReloadTick}`}
+          chartVisible
           bars={bars}
           barsMarket={barsMarket}
           market={market}
@@ -210,7 +251,6 @@ const VirtualTargetCardChart: React.FC<Props> = ({
           logScale={false}
           drawingsLocked
           drawingsVisible={false}
-          displayTimezone={DEFAULT_DISPLAY_TIMEZONE}
           onCrosshair={noop as (d: LegendData | null) => void}
           onManagerReady={mgr => { managerRef.current = mgr; }}
           onAddDrawing={noop as (d: Drawing) => void}
diff --git a/frontend/src/styles/virtualTradingDashboard.css b/frontend/src/styles/virtualTradingDashboard.css
index 611cf39..1d27b61 100644
--- a/frontend/src/styles/virtualTradingDashboard.css
+++ b/frontend/src/styles/virtualTradingDashboard.css
@@ -1313,8 +1313,19 @@
   color: var(--accent, #3f7ef5);
 }
 
-.vtd-card--chart-mode {
+.vtd-card.vtd-card--chart-mode {
   min-height: 420px;
+  align-self: stretch;
+}
+
+.vtd-card.vtd-card--chart-mode > .vtd-card-chart-panel {
+  flex: 1;
+  min-height: 0;
+}
+
+.vtd-grid:has(.vtd-card--chart-mode) {
+  grid-auto-rows: minmax(440px, auto);
+  align-items: stretch;
 }
 
 .vtd-card-chart-panel {
diff --git a/frontend/src/utils/strategyToChartIndicators.ts b/frontend/src/utils/strategyToChartIndicators.ts
index 67ea4c0..8783bda 100644
--- a/frontend/src/utils/strategyToChartIndicators.ts
+++ b/frontend/src/utils/strategyToChartIndicators.ts
@@ -266,3 +266,12 @@ export function buildVirtualTradingChartIndicators(
   if (!defaultIchimoku) return strategyIndicators;
   return [defaultIchimoku, ...strategyIndicators];
 }
+
+/** 가상매매 카드 인라인 차트 — 캔들 영역 확보(일목·다중 지표 pane 제외, 전략 지표 최대 1개) */
+export function buildVirtualTradingCardChartIndicators(
+  strategy: StrategyDto | undefined,
+  getParams: GetParams,
+  getVisual: GetVisual,
+): IndicatorConfig[] {
+  return buildStrategyChartIndicators(strategy, getParams, getVisual).slice(0, 1);
+}