Cardi B is not having it … delivering the clapback of all clapbacks when someone had the nerve to ask online if she’d been bleaching her skin.

The rapper quoted the offending X post Wednesday … calling out the skin-bleaching accuser as dumb, and explaining her paler look is due to her unborn baby sucking the life out of her — leaving her pale, anemic, with sunken eyes and popping veins.

Cardi threw in that sunbathing was also a no-go … ’cause she gets hot and dizzy in no time, making it a real health hazard … so for the time being, she has to embrace her natural, paler complexion.

The skin-bleaching drama started after Cardi posted an X pic of her pal rubbing her pregnant belly … where it simply looks like the camera flash caught her at an odd angle, making her look lighter than usual.

And this ain’t Cardi’s first rodeo … she’s pregnant with baby No. 3, so clearly she’s got it totally under control when it comes to keeping her pregnancy safe and sound.