2. Whoever pays for the suspension of the fitness card depends on whether the consumer voluntarily signs a contract with the merchant and whether there is a clear agreement in the contract.

3. If the card stopping fee is clearly stipulated in the contract, and the consumer agrees to these terms when signing the contract, then the card stopping fee of the gym is legal.

4. However, if the card stopping fee is not clearly stipulated in the contract, or the consumer disagrees with these terms, then the card stopping fee in the gym is illegal.