顾客一年前办了卡，现在要求退卡，合理么?-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	顾客一年前办了卡，现在要求退卡，合理么?
释义	1、现代社会下，办卡是一个很常见的事，办卡意味着较长时间的经济来往。 2、对于消费者来讲，办卡通常可以享受到优惠;而对店家来讲，可以笼络客户是一个双赢的设计。 3、但是，难免有特殊情况出现，消费者需要退卡，此时争议就会产生。 4、具体来讲，能否退卡，首先要看双方有无约定，有约定从约定;如果没有约定，应当退卡，但是消费者也应当承担部分责任。
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