Legal analysis: whether the card can be returned depends mainly on whether there is an agreement to return the card in the contract signed at the time of handling the card. Agreement refers to negotiation and determination, and generally refers to an agreement with someone to be realized at a certain time. The provisions emphasize beforehand (that is, before the act occurs) and legal effects, which are used for decisions in legal provisions. As a verb, stipulation refers to making a binding decision on the quantity, quality or methods of things. Signing a contract is an agreement reached by both parties through discussion, which embodies the expression of their will and should be applied to "agreement". "Regulations" are generally used in government documents such as policies and administrative regulations or documents with universal binding force. Therefore, "agreement" is often used instead of "regulation" in contracts. The contents of a contract are agreed upon by the parties, and generally include the following terms: (1) the name and domicile of the parties; (2) Subject matter; (3) quantity; (4) quality; (5) Price or remuneration; (6) Time limit, place and method of performance; (7) Liability for breach of contract; (8) Methods for resolving disputes. The parties may conclude a contract by referring to the model texts of various contracts.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.

Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.