预付卡监管

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皇家美孚闭店风波:退费与权益的博弈
Sou Hu Cai Jing· 2025-08-28 03:41
Group 1 - Royal Mobil's operational mismanagement has led to store closures, causing significant distress for members, including unusable membership cards and compromised member benefits, resulting in economic losses and decreased brand loyalty [1] - A positive development has emerged as relevant authorities have coordinated efforts, with a third-party organization stepping in to manage related affairs and actively work towards resolving member refund issues [3] Group 2 - An online redemption channel has been established, allowing members to log in to a designated address and submit information to apply for refunds, significantly improving the efficiency of the refund process [3] - The involvement of the third-party organization is crucial as it aims to mitigate member losses and protect consumer rights, while also playing a positive role in reshaping Royal Mobil's brand image [3] Group 3 - This incident serves as a wake-up call for the industry, highlighting the need for enhanced regulation of prepaid cards and the standardization of corporate card issuance practices to better protect consumer rights and promote healthy industry development [5] - There is a hope that similar incidents will not occur in the future, allowing consumers to shop with confidence and ensuring a more regulated and orderly market environment [5]
预付卡又爆雷?千万用户级中欣卡被曝消费限用,退费排到9月
Nan Fang Du Shi Bao· 2025-04-13 04:41
Core Viewpoint - The article discusses the issues surrounding the Zhongxin prepaid card, including consumer complaints about its limited usability and the company's response to these challenges, highlighting the impact of "scalpers" on the card's functionality and the broader implications for the prepaid card industry in China [1][2][10]. Group 1: Company Overview - Zhongxin card is issued by Beijing Zhongxin Yinbao Tong Payment Service Co., Ltd., a subsidiary of Zhongxin Antai Group, and is a popular prepaid card in Beijing with over 15 million users [1][3]. - The card was initially usable at over 2,000 merchants in Beijing, covering shopping, dining, entertainment, and life services, but the merchant directory has been cleared as of the article's publication [1][5]. Group 2: Consumer Issues - Since late March, consumers have reported that their Zhongxin cards, which still have thousands of yuan loaded, are facing usage restrictions, with some unable to use the card for purchases at various merchants [2][3]. - The company has stated that the restrictions are due to "scalpers" creating panic and hoarding products, which has disrupted normal consumer usage [2][10]. Group 3: Refund and Redemption Process - The company has opened a redemption channel for cardholders, but consumers must present proof of purchase and identification to schedule a refund, with wait times extending to September [3][4]. - Many consumers have expressed dissatisfaction with the limited product offerings available for redemption, which do not meet their original expectations when purchasing the card [4][8]. Group 4: Industry Context - The article highlights ongoing issues in the prepaid card sector, including difficulties in obtaining refunds and the prevalence of consumer complaints, as noted by the China Consumers Association [3][12]. - Experts suggest that the regulatory framework for prepaid cards in China needs to be strengthened to protect consumer rights and ensure the stability of payment institutions [10][12].