How to solve the problem of prepaid cards that cannot be used in epidemic situations, such as movie card fitness card hairdressing card?

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Howtosolvetheproblemofprepaidcardsthatcannotbeusedinepidemicsituations,suchasmoviecardfitnesscardhairdressingcard? “Thefitnesscardisstillthere,butthestoreisgone.””Thereisstill1,000yuaninthecard,whichisabouttoexpire,butthemovietheaterhasn’topenedthedoor.”Doyouhavesuchtroublesnow?Underthenewcrownpneumoniaepidemic,offlinetraining,gyms,beautysalons,movietheatersandmanyotherbusinessvenuescannotoperatenormally,andprepaidcarddisputesarefrequent.Someconsumersaremorefortunate.Ms.WeiinBeijingjustreceivedatextmessagethataUShairshopisabouttocloseinmid-April,“I’mplanningtogothereonceinafewdays.Thehairdresserhereisverygood,butthecardThereisnotmuchmoneylefthere,theshophashandleditwell,andhasbeendockedwithotherbarbershops,wecancontinuetousethemoneyinthecardservice.”However,moreconsumersarenotso”lucky”,andsomeconsumersshouted,”Unfortunately,thefitnesscardthatwasjustissuedayearagohasbeenclosedduetotheepidemicbeforeitisgone.Ifitisnotopened,thecardwillexpire.”Howdoconsumersandoperatorssolvesuchproblems?OnApril16,theGeneralOfficeoftheMinistryofCommerceissuedthe”NoticeonDoingaGoodJobintheManagementofSingle-UseCommercialPrepaidCards”,sayingitwillpaycloseattentiontovariousriskinformationsuchassuspensionofoperationsandfrequentissuanceofconsumerdisputes,andsaidthatitwillpromotetocardissuersPoliciesrelatedtoresumingproduction,resumingproductionandresumingthemarket,andpromotingconsumptionencouragecard-issuingcompaniestoincreaseconfidence,makegooduseofvariouspoliciesandmeasures,overcomecurrentdifficultiesassoonaspossible,andresumenormalproductionandoperation.Undertheepidemic,educationandtraining,hairdressing,fitnessandotherprepaidcarddisputesfrequentlyoccurred.Thesuddenepidemicdisruptedthebusinessrhythmofmanybusinesses,anditwasdifficulttoguaranteeconsumerservices.Mr.YanginBeijingalsohasthistrouble.InDecemberlastyear,hespentnearly4,000yuantogetanewyearcardatagyminXichengDistrict,sohealsoboughtsomefitnessclasses.”ThegymwasoriginallyopenedonApril1,butitisstillcloseduntilnow.Idon’tknowwhenitwillbeopened.Thestorehasn’tsaidwhetheritcanbepostponed.Ifitcan’tbepostponed,thiscardisabitdeficient.”Ms.Zhangalsosaid:”Mydanceclasshasmorethan100lessons,butthecardexpiresinOctoberthisyear,andIhavenotsaidwhetheritwillbepostponed,butitshouldnotbereplaced,itisquitepitted.”AccordingtotheChinaConsumersAssociation,onJanuary20thisyear?OnFebruary29,theNationalConsumersAssociationorganizedatotalofabout18consumercomplaintsinvolvingcrimes.10,000pieces,ofwhich,19.48%involvecontractissues,andprepaidcardservicedisputesmainlybelongtothisaspect.Complaintsfromtheeducationandtrainingindustryaremoreserious.TheConsumersAssociationsaidthatthemainproblemsofcomplaintsineducationandtrainingincludethatthetrainingwasconvertedtoonlineduetotheepidemicsituation,consumersdemandedareductioninchargingstandards,andtheoperatoractuallyreceivedtheprice,causingdisputesbetweenthetwoparties.AccordingtoacasedisclosedbytheChinaConsumersAssociation,inJanuary2020,consumerMr.Huangreportedthatheenrolledachildforaone-yeardancetrainingcourseatadancetrainingclassinHuangyanDistrict,TaizhouCity,ZhejiangProvince,paying2870yuan,whichwasofficiallylaunchedinMarch2019.Startschool.Buttheclasswassuspendedduetotheepidemic.Mr.Huanginquiredthepersoninchargeofthetrainingcourseaboutthemethodoffollow-upsupplementarycourses,butwasinformedthattheschoolregistrationinstructionsclearlystatedthat”Ifthecourseissuspendedduetoforcemajeurereasonssuchasnaturaldisasters,nosupplementarycoursesshallbegranted.”However,intheend,underthecoordinationofthestaff,theoperatormadepreliminarycorrections,andmadearrangementsforresumptionofclasses,make-upclasses,andtimelycommunicationandinterpretationwithstudentsandparents.Thepersoninchargeaccepted.ConsumerscancollectmoneythroughtheConsumers’Association,theindustryandcommerceadministrationorthecourts.Incidentsaboutbusinessesrunningredundantlywithprepaidcardsarenotuncommon.However,undertheimpactoftheepidemic,suchdisputeshaveincreased.Oriented,themerchantsaresubjecttotherelevantepidemicpreventionregulations,anditisdifficulttofullyresumeproductionandproduction.Iftheywanttoprovideservices,theyhave”morethanenoughresources”,whichtranslatesintothatconsumersdohavetherighttoenjoyservicesafterprediction.Whattodointhissituation?ProfessorLiuJunhai,directoroftheInstituteofCommercialLawofRenminUniversityofChina,toldSaunaandYewangthatitislegallyclearthatallamountsofprepaidcardsbelongtoconsumers.Itisrecommendedthatthird-partybankshaveanindependentdepositorysystem.buckle.Healsobelievesthatmerchantsarestillinbankruptcyliquidationprocedures,andthebalanceinthecardisnotbankruptpropertyandcannotbesharedwithothercreditors.”Inallestimatedareas,therearenotoneortwoconsumers,butthousands.Thereisanelementofpublicinteresthere,andcompaniesshouldactinapublicspirit.Anattorneyofficialexplainedtoreportersthatbecausetheservicecontractwasestablishedbetweenthemerchantandtheconsumer,whenthemerchant“runtheroad”whileexistingandnotfulfillingitscontractualobligations,itviolatedtheprovisionsoftheContractLaw.Atthistime,themerchantshouldbearthecorrespondingliabilityforbreachofcontract,andtheconsumercanrecoverthemoneythroughtheconsumerassociation,theindustrialandcommercialadministrationorthecourt.Inaddition,thecurrentregulationofissuingprepaidcardstomanysmallbusinessesisalsoquiteweak.Accordingtothe“Single-PurposeCommercialPrepaidCardManagementMethod(Trial)”issuedbytheMinistryofCommercein2012,large-scalecardissuers,groupcardissuersandbrandcardissuersshouldimplementafunddepositsystem,andtheproportionofdepositfundsshallnotbelessthanthepreviousquarter20%,30%and40%ofthebalanceoffundsreceivedinadvance,butdonothaveclearregulatorymeasuresformanysmallercardissuers.However,thelawsandregulationsofsomeprovincesandcitieshavebeengraduallyimproved.Forexample,the“BeijingPrepaidConsumerMarketSupervisionandServiceManagementMeasures(DraftforComments)”issuedbyBeijinglastNovemberexpandedthescopeofsupervisiontoalloperationsintheregion.Itisstipulatedthat“businessoperatorsintheadministrativeareaofthiscityshalladoptprepaidconsumptionmethodstocarryoutbusinessactivitiesandtheirsupervisionandmanagement,andtheseMeasuresshallapply.”Accordingtotheconsultationdraft,majorcomplaintssuchasgroupcomplaintscausedbythenon-paymentofbusinessduetothesuspension,closureofbusinessortherelocationofbusinesspremisesoftheoperatorshouldbedealtwithbythemunicipalindustrycompetentauthorityinconjunctionwiththerelevantdistrictpeople’sgovernmenttosupportconsumersFilealawsuitinapeople’scourt,orfileapublicinterestlawsuitaccordingtolaw.TheChinaConsumersAssociationalsoremindedthataftertheepidemic,operatorsmayexpandthescopeofcardissuanceandsellprepaidcardsatahigherdiscounttoattractconsumers.Therearecertainrisksintermsoffundcustody,servicequalityandlevel.Inviewofthis,consumersshouldpayspecialattentiontotheissueofprepaidcardconsumption,rationalconsumption,andbewaryofhighdiscountsandhighrisks.Merchantsandconsumerscanalsonegotiatetoresolvethesauna.Yenetinterviewedthatundertheepidemic,manyconsumershavechosentonegotiatewiththeoperatortosolvetheproblem.Forexample,inthecaseofMs.Weimentionedabove,otherhairsalonshavetakenovercustomerswhohaveprocessedprepaidcardservices.Thisprotectsthecustomer’srightsandinterests,andcanalsoaddcustomerstothemerchantsthathavebeenopenednormally.Thereisalsotheproblemoffurtherbusinessopeningofthegymnasium,andtherearegymnasiumsthatvoluntarilyextendtheserviceperiodforconsumers.Ms.LifromGuangzhoutoldreporters:“I’mafitnesscardIgotinDecemberlastyear.IcaughtupwiththeepidemicbeforeIwentthereafewtimes.Recentlythegymopened,butIstilldon’tfeelrelievedtogo.Afterconsultation,thegymextendedtomeTwomonths.Verygood,afterall,theyarenoteasyundertheepidemic,andtherearenotmanycustomers,buttheyhavetoopenthedoortodobusinessandpaytherent.AttorneyQiuBaochang,anexpertmemberoftheExpertCommitteeoftheChinaConsumersAssociation,toldSaunaandYewangthatiftheprepaidcardcannotbeconsumedduringnormalbusinessoperations,thecompanymustbeliableforbreachofcontract.Butfornow,mostoftheprepaidcardscannotbeconsumedduetotheforcemajeureoftheepidemic.Forenterprises,theshutdowncanonlymeanthattheservicesoftheprepaidcardcannotbegraduallytaken,anditalsohastobearrigidcostssuchasrentandbasicwages.So,thisproblemmayonlyinvolveoperatorsandconsumers,butnowtheproblemcannotbesolvedbytwopartiesalone.QiuBaochangbelievesthatthisproblemshouldbefacedbythewholesocietyfirst,andovercomethedifficultiestogether.Governmentdepartments,banks,financiallendinginstitutions,etc.shouldallparticipate,andcanprovidepreciseandinclusivesupportforsmallandmicroenterprisesinloandiscountsandscalereductions.Allowenterprisestoresumeworkandresumeproductionsmoothly,andtrytoliveasmuchaspossible,whichcaneffectivelyreducethelossoftheentiresociety,andcanalsopreserveemployment.Infact,italsoprotectstherightsandinterestsofconsumers.Ofcourse,enterprisesshouldalsoactivelysavethemselves.Theepidemicisshort-livedafterall,butthelethalityistoostrong,andweshouldjointlyreducethedegreeofthislethality.”Ownership,consumersshouldalsothinkdifferently.Consumersandoperatorsshouldunderstandeachother.Thisisnottoignoretherightsandinterestsofconsumers,buttoalloweveryonetoovercomethedifficultiestogether.Iftheenterprisescansurviveafterthedifficultiespass,youcanpassGivebetterservicesandothermeanstocompensateconsumers.QiuBaochangsaid.Sauna,YeWangPanYichunEditorLiWeijiaProofreadingLiShihui