Legal analysis: If the gym closes down, the card-issuing member can ask the gym to return the advance payment, and should bear the interest of the advance payment and the reasonable expenses that the consumer must pay. Business operators who fail to fulfill their obligations to protect consumers' safety and cause damage to consumers shall bear tort liability.

Legal basis: People's Republic of China (PRC) Consumer Protection Law.

Article 53 Where a business operator provides goods or services in advance, it shall provide them as agreed. If it is not provided in accordance with the agreement, it shall fulfill the agreement or return the advance payment according to the requirements of consumers; And shall bear the interest of the advance payment and the reasonable expenses that the consumer must pay.

Article 48 A business operator who provides goods or services under any of the following circumstances shall bear civil liability in accordance with the provisions of other relevant laws and regulations, except as otherwise provided in this Law: (1) The goods or services are defective; (two) the goods do not have the performance that the goods should have and are not explained at the time of sale; (three) does not meet the commodity standards indicated on the commodity or its packaging; (four) does not meet the quality conditions indicated by commodity descriptions, physical samples, etc.;

(five) the production of goods explicitly eliminated by the state or the sale of invalid or deteriorated goods; (six) the number of goods sold is insufficient; (seven) the service content and fees are in violation of the agreement; (8) Deliberately delaying or unreasonably refusing consumers' requests for repair, rework, replacement, return of goods, replenishment of commodity quantity, refund of payment for goods and service fees or compensation for losses; (nine) other circumstances that harm the rights and interests of consumers as stipulated by laws and regulations.