What Is Cash in Advance?

"Prepaid consumption" is also called early consumption, which means that customers can enjoy services in the same way as whole deposits and zero withdrawals when customers pay a certain amount of consumption in advance to the merchants, and sometimes they can get extra benefits promised by the merchants.

Prepaid consumption

"Prepaid consumption" is also called early consumption, which means

Encountered merchants escape

"Prepaid consumption" is currently in China

Merchants usually offer free trials and high sums

Prepaid consumer trap comics

Trap one: After attracting consumers to purchase a consumer card with extremely favorable conditions, they will use the reason of business place change, revocation, etc. to run away with the money, and you will not discuss it, causing consumers to suffer economic losses. This is the most common case and the most difficult to deal with.

Trap two: induce consumers to apply for a card with a free gift, before applying for a card

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Prepaid consumption

I. Consumers increase awareness of self-protection,

Assorted prepaid consumer cards

Zhao Jiaoli, deputy director of the Shanghai Consumer Rights Protection Committee, pointed out that the prepaid card is actually a disguised financing act by the merchant using his letter as a guarantee. Because the current integrity system is not yet perfect, it is impossible for the dishonest operators to pay the due price for their dishonesty, so consumers have become the sole bearers of the risks.

Senior lawyer Tao Wuping believes that the legality of the prepaid card phenomenon must be affirmed. Although the self-employed behavior of selling prepaid cards has caused social problems to a certain extent, it has no direct social harm. In fact, the risk of prepaid cards lies not in economic issues, but in the destruction of people's mentality in daily life. When such damage accumulates to a certain degree, it will cause social instability. To solve the problem of prepaid cards, we must fully consider the operability and also take into account the development of the enterprise. It is recommended that through the administrative regulations throughout the country, the registration and filing system of prepaid cards be established, and shareholders be jointly and severally liable for the debts caused by the sale of prepaid cards by enterprises.

Gu Jun, a professor of the Department of Sociology at Shanghai University, believes that what the prepaid card issue reveals is an unequal relationship between consumers and goods and service providers, which is related to market order and belongs to the scope of government responsibility. However, for the management of prepaid cards, the government can't do everything, but should decompose the risks and solve them through different channels and different subjects.