If a criminal case is established, you can declare your rights to the public security, and help you recover it after the public security organs have convicted and sentenced you. If you don't file a case, you can go through the filing supervision procedure and ask for a case, or you can go through the civil procedure and ask for a refund of the recharge.
In another case, the operator cannot continue to operate because of poor management. One is that the industry and commerce have registered for bankruptcy liquidation. In this case, if the operator is an enterprise officially registered in the Industrial and Commercial Bureau, consumers can enjoy ordinary creditor's rights in the bankruptcy and debt repayment procedure of the enterprise according to the relevant provisions of the Enterprise Bankruptcy Law and the Company Law, and directly sue the shareholders and enterprises registered in the Industrial and Commercial Bureau for the refund of the top-up money.
In real life, this kind of incident often has the problems of difficult rights protection and long period due to insufficient evidence, so it is recommended to handle the card carefully.