FAQ · prepaid card refund trial comparison

Answers below track public articles. They are not case rulings. 非正式法律意见。

合同写了收款不退还能退吗？

Article 9 lists format terms that a consumer may ask a court to treat as invalid, including terms that exclude the right to terminate or to request return of prepaid funds. The wizard only shows this as a hint. It does not decide that your particular clause is invalid.

商家按原价扣完倒欠我还要补钱吗？

Article 20 says: if discount-price or preference-ratio redemption does not exceed the prepaid amount, but original-price redemption does exceed it, the merchant’s request that the consumer pay the excess is not supported. The comparison table uses a floor of zero and writes that the merchant may not demand a top-up. A trial result of zero is not an instruction that you must pay the shop.

办卡第七天还能无理由退本金吗？

Article 14 supports a request to return prepaid principal within seven days of payment, unless when the contract was formed you had already received the same goods or services from this operator or from another operator. Those two exceptions close the no-reason branch. A more favorable agreed cooling-off term prevails.

赠送的金额或赠送课时怎么算进退费？

Gifted money and gifted homogeneous sessions are different. For gifted money on a non-consumer-reason path, Article 18 item 2 uses the ratio prepaid ÷ (prepaid + gift) against the corresponding redeemed price. For “pay 1000 for 10 sessions and get 10 more,” official commentary treats the non-consumer unit as 50 and the consumer-reason implied original unit as 100 (prepaid ÷ purchased sessions). The page never invents a third blended formula when discount and gift both exist; it shows both methods side by side.

门店关了只让我转到很远的分店，算谁的原因？

Article 13 paragraph 1 treats operator relocation that clearly inconveniences the consumer, unauthorized transfer of duties to a third person, and failure to provide promised unlimited-count service as grounds for the consumer to terminate. Refund math then usually follows the non-consumer-reason rules in Article 18 (or Article 22 for time cards).

因身体原因退费通常仍是消费者原因吗？

Yes, that is the default classification on this page. Article 13 paragraph 2 may allow termination or modification when health or another unforeseeable change makes continued performance clearly unfair. The discounting rule is still usually Article 19 (pre-discount price). The Zhangping personal-training case followed that consumer-reason path. Switching to a non-consumer-reason branch requires a second confirmation so the tool does not silently inflate the trial refund.

计时年卡和按次课包公式有什么不同？

Session packs use Articles 18 or 19 on redeemed session value, then Article 15 (prepaid minus redeemed, floored at zero). Unlimited time cards use Article 22: prepaid × remaining term ÷ total term, or remaining term after the operator stopped service. Mixing these formulas will misstate the trial number.

过期未用的计时卡还能按剩余天数退吗？

Article 22 paragraph 3: if the consumer, for their own reasons, did not request service within the agreed performance period, a request to return the prepaid amount is not supported. The wizard then shows trial refund 0 plus that wording. It will not print a positive remaining-ratio figure after you check that box.

试算为何可能不同于调解或判决？

Courts and mediators may consider evidence, credibility, Article 15 expenses (except staff commissions), Article 21 gifts, and settlement. Zhangping’s statutory-style trial figure was 8250 yuan while mediation landed at 5600. Nanjing yoga produced a statutory-style zero because original-price redemption exceeded prepaid, yet mediation still paid 2600. The table exists so you do not treat one number as a guaranteed award.

这个工具会上传我的合同或调用法院接口吗？

No. Calculation runs in your browser. Nothing is uploaded. There is no account and no court or merchant API. See the privacy page.

利息和惩罚性赔偿这个工具会算吗？

No automatic interest and no punitive multiple. Articles 16–17 describe interest standards (one-year LPR when the operator caused the refund; the one-year deposit benchmark when the consumer caused it, unless agreed otherwise). Article 23 addresses punitive damages when an operator shuts down, refuses to perform, and maliciously evades refund requests — the path list mentions it, the calculator does not invent a multiple. Multi-purpose prepaid cards are excluded by Article 26.