“卡壳”事件频发
去年底，深圳“水果营行”门店关闭导致消费者的会员卡无法继续使用。目前，各地类似的预付卡消费欺诈事件频发，已经成为一些地方消费投诉的热点。在广州珠江新城工作的白领吴小姐自嘲是“被卡绑架”的消费者，翻开她的卡包，里面有十几张各类会员卡，“这是健身卡、电影卡，还有美发的、吃饭的、洗车的、商场会员的……”，其中绝大部分是预付卡，吴小姐算了笔账，她在这些预付卡上的投入超过了20000元。
最近吴小姐遇到了件“不顺气”的事，此前和朋友去中大北门一间知名西餐厅就餐时，被告知办会员卡并预存500元可以获赠现金券并享受优惠，于是吴小姐开卡并预存了，但之后由于较少去到这一区域，吴小姐有大半年时间没再光顾这家餐厅，等她再次前去就餐时，却被告知她的预付卡已经超过了有效期，里面的资金被冻结，“需要再充值500元激活才能使用”。为了能够使用自己会员卡的余款，吴小姐只好再次充值，“但有种被绑架的感觉，很不好”。
冲着商家的优惠办卡，之后消费却遇到问题的，还有家住广州番禺区的陈先生。陈先生经常光顾小区门口的一家汽车美容保养店，去年这家店推出了会员卡业务，并宣传“充值达到一定金额就可以享受相应的折扣优惠”。陈先生因为习惯了该店的服务，也觉得每次付款比较麻烦，关键还有折扣，于是交了2000元办理了会员卡。但渐渐地，陈先生发现洗车服务水平大幅下滑，而且没过多久单次洗车“183.131.212”“61.153.110”的价格就比原来上涨了10元，“卡里还有不少钱，也没办法换去其他商家”。
广州市消委会日前在发布2016春节消费提醒时，也专门提到一个关于预付卡的案例。某消费者于2014年8月在某美容中心购买了美容卡，花费约1万元。同年12月，该中心转由新商家经营，新商家承诺可以继续提供服务。2015年初，消费者收到新商家发来的信息，称因员工培训，一周后才可预约。2015年2月7日，消费者致电预约时，新商家却称由于受到行政部门的处罚，不再提供服务。消费者认为该美容中心的名称一直没有变更，新商家应继续提供服务，且其卡内还有余额6000元，遂向市消委会投诉，要求商家提供服务或退款。
监管设“卡”很必要
预付卡这种“先存钱，后消费”的形式，因为常常有着杭州服务器租用打折让利、升级服务等卖点，近年占领了不少消费者的钱包。根据中国商业联合会发布的《单用途商业预付卡行业报告（2015）》显示，2014年我国预付卡消费规模达8000亿余元，而且2012-2014年的三年间，预付卡在收银台激活的金额复合增长达到21.43%，而同期通过传统发卡企业售卡点销售的复合增长率还下滑了1.48%。
随着个人预付卡市场形成规模效应，巨大的市场空间令宜家、星巴克等国际巨头也逐渐开始顺应本土化潮流，推出相应的预付卡业务。但就在个人预付卡市场高速发展的同时，也时常能够看到各地都有爆出消费者遭遇发卡企业敛财跑路、霸王条款坑人等消费陷阱事件。
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0来源：福州高防服务器