Legal analysis: it is possible to follow the truth. But it should be combined with the contract, that is, how the refund and card withdrawal are agreed. If there is no special explanation, you can negotiate with the gym. If there is an agreement, it will basically be implemented in accordance with the agreement. When necessary, you can safeguard your rights and interests through legal procedures.
Legal basis: Article 180 of the Civil Law of People's Republic of China (PRC) shall not bear civil liability if it fails to perform its civil obligations due to force majeure. Where there are other provisions in the law, those provisions shall prevail.
Force majeure is an unforeseeable, unavoidable and insurmountable objective situation.