Group 1 - The core point of the article highlights a decrease in complaints related to prepaid card services in Luoyang, with a total of 657 complaints received in November, representing an 8.88% year-on-year decline [3] - The high-frequency complaint sectors for prepaid cards include beauty and hairdressing, catering, and fitness industries, with additional complaints from bathing services, children's amusement parks, and photography services [3] - The main types of complaints involve merchants going out of business, declining service quality, difficulties in obtaining refunds, false advertising, and unfair contract terms [3] Group 2 - The Luoyang Market Supervision Administration advises consumers to thoroughly understand the business's operational status and market reputation before purchasing prepaid cards [4] - Consumers are encouraged to rationally assess their needs and avoid impulsive purchases driven by promotional discounts, ensuring they understand the terms of use, refund policies, and any additional clauses [4] - It is recommended that consumers keep the prepaid card recharge amount reasonable, verify transaction amounts against card balances, and promptly request receipts for transactions [4]

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