To distinguish whether your consumption card is in the form of membership fee or stored value card, there is still a big difference between the two. Membership purchased in the form of membership fee is a one-time consumption. Even if it has a time limit, it cannot be refunded even within the time limit.

Precautions:

For the purchase of certain memberships, such as fitness clubs, which are also annual cards, you can't directly ask the merchants for a refund, but you can recover the losses by transferring money, and the merchants will replace the members. This is a disguised refund card.

The other is registered stored-value card, which belongs to high-end membership system. We must study the provisions on the amount of stored value in the membership rules, because stored value cards bind funds in the form of stored value to provide more favorable prices and better services, and funds without binding will not enjoy the corresponding services.

There are two kinds of consumer cards in the form of stored-value cards. One is an anonymous stored-value card, which is equivalent to a cash coupon, and the balance in the consumption card cannot be refunded. Because consumers are limited, we can only use discount monopoly to refund money in disguise.