办卡充值被坑？最高法司法解释：预付式消费可享七日无理由退款

Core Viewpoint - The Supreme People's Court has issued an interpretation regarding prepayment consumption disputes, aiming to protect consumer rights and regulate unfair practices in the industry [1][2][3] Group 1: Legal Provisions - The interpretation invalidates "unfair clauses" such as non-refund policies, card loss without replacement, and restrictions on card transfers [1] - Consumers can transfer prepaid cards by simply notifying the operator, and the transfer of unlimited service cards must adhere to good faith principles [1] - Consumers have the right to terminate contracts if they face significant inconvenience due to the operator's relocation or if the operator fails to provide services as agreed [1] Group 2: Consumer Rights and Protections - Consumers are entitled to a seven-day unconditional refund period after making a prepayment, provided they have not previously received the same goods or services [2][3] - The interpretation aims to address the issue of information asymmetry in prepayment consumption, where some operators engage in misleading marketing practices [2][3] - The interpretation also allows for punitive damages against operators who collect prepayments and then evade refund requests, with potential criminal liability for fraudulent actions [2]