预付型消费卡在其产生极大利益的同时也带来了许多消费卡纠纷问题,如监管主体的缺失,法律法规的空白,诚信不足,消费者维权意识淡薄等。因此,文章就我国预付型消费卡存在的问题进行分析,并提出些相关的对策。 Prepaid consumer card has brought a lot of problems of consumer card disputes at the same time, such as the lack of regulatory body, the blank of laws and regulations, the lack of honesty and trust, and the weak consumer rights awareness. Therefore, the article analyzes the problems existing in prepaid consumption cards in our country and puts forward some related countermeasures.