According to Article 39 of the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests, it is illegal for a gym to apply for a card without refund. Disputes between consumers and business operators over consumers' rights and interests may be settled through consultation with business operators, or they may request consumers' associations or other mediation organizations established according to law for mediation. You can also complain to the relevant administrative departments or bring a lawsuit to the people's court.