重庆市永川区人民法院民事判决书 （2021）渝0118民初3539号    原告：重庆农村商业银行股份有限公司永川支行，住所地重庆市永川区红河中路399号，统一社会信用代码915001186761320389。负责人：周洪全，行长。委托诉讼代理人：李健，男，系该行职工（特别授权）。被告：黄朝国，男，1966年12月18日出生，汉族，住重庆市永川区。原告重庆农村商业银行股份有限公司永川支行与被告黄朝国信用卡纠纷一案，本院于2021年4月8日立案后，依法适用简易程序，公开开庭进行了审理。原告的委托代理人李健到庭参加诉讼。被告黄朝国经本院送达开庭传票，无正当理由拒不到庭参加诉讼，本院依法缺席审理。本案现已审理终结。原告向本院提出诉讼请求：1、由被告立即返还信用卡欠款本金19 719.75元，并支付截止2021年2月10日利息3346.63元、违约金2439.47元、年费200元，共计25 705.85元；2、由被告立即支付自2021年2月11日起至贷款本息结清之日止的利息、复利、违约金（其中利息以被告尚欠的本金19 719.75元为基数，复利以被告未偿还的利息为基数，均按日利率万分之五计算；违约金按最低还款额未还部分的5%计收）；3、本案诉讼费由被告承担。事实和理由：2017年3月29日，被告向原告申请办理了信用卡一张，原告经审核后向被告发放了信用卡。后被告进行透支消费，但其未按时履行还款义务，截止至2021年2月10日，被告累计欠原告信用卡本金、利息、违约金、年费共计25 705.85元，经原告多次催收未果。黄朝国未到庭，亦未向本院提供书面答辩意见。本院经审理认定事实如下：2017年3月29日，被告填写《重庆农村商业银行江渝信用卡.商社汽贷汽车联名信用卡申请表》向原告申请办理信用卡，并承诺已阅读和理解了《重庆农村商业银行江渝信用卡.商社汽贷汽车联名信用卡领用合约》、《重庆农村商业银行信用卡章程》的全部内容，自愿遵守前述约定，被告在申请表上签字确认。原告经审核后向被告发放了卡号为XXXXX的信用卡。信用卡领用合约载明：利息、费用及还款：……2、除章程和本合约另有约定的情形外，对持卡人的非现金交易，从记账日起至最后还款日之间的日期为免息还款期，持卡人在免息还款期限内偿还全部应还款项的，无需支付当期刷卡消费交易款项的利息。信用卡从我行贷记主账户圈存的交易，按一般消费交易进行账务处理，圈存交易金额计入当期账单，享受免息还款期待遇。免息还款期的最长期限由本行在有关金融规章许可的范围内确定。3、持卡人未能于最后还款日前（含当日）足额偿还全部当期应还款项的，不享受免息待遇，并且所有交易自记账日起按透支利率计收利息。……5、持卡人未能于最后还款日前（含当日）足额偿还最低还款额时，所有交易不享受免息待遇，所有交易自记账日起按透支利率计收利息，同时还应支付违约金。持卡人进行预借现金交易或者办理本合约或本行规定的相关事宜，须按本行依法确定的费率支付手续费等费用。年费、透支利率、手续费、违约金等按本行依法确定公布的最新费率表执行，透支利息按约计收复利。……收费及标准：年费：200元/年，首年免年费，当年有消费3次以上免次年年费。违约金：最低还款额未还部分的5%，最低10元。透支利率：日息万分之五，按月计收复利。后被告将该信用卡激活使用消费，但其从2020年4月11日开始逾期还款，且拖欠部分信用卡本息未付，截止2021年2月10日，被告尚欠信用卡本金19 719.75元、利息3346.63元、违约金2439.47元、年费200元未支付。经原告多次电话催收，被告仍未归还信用卡欠款。本院认为，被告向原告申请领用信用卡，其已认真阅读《重庆农村商业银行江渝信用卡.商社汽贷汽车联名信用卡领用合约》、《重庆农村商业银行信用卡章程》载明的全部内容，并承诺自愿遵守章程和领用合约规定。自被告在申请表上签字起，原告与被告即形成借款合同关系，因《重庆农村商业银行江渝信用卡.商社汽贷汽车联名信用卡领用合约》和《重庆农村商业银行信用卡章程》的内容未违反法律、行政法规效力性强制性规定，合法有效，双方均应按照信用卡领用合约和章程的约定履行。被告使用信用卡透支消费后，应在约定的期限内归还信用卡欠款，但被告未按约履行，其行为已构成违约，应承担民事责任。原告要求被告支付信用卡欠款本金符合前述章程和领用合约的约定和法律规定，本院予以支持。原告同时主张的利息、复利、违约金、年费，总计金额存在高于实际损失的情况，本院酌情予以调整。被告未到庭参加诉讼，应视为其对诉讼权利的放弃，据此，依照《中华人民共和国民法典》第五百零二条第一款、第五百零九条、第五百七十七条、第六百七十四条、第六百七十五条、第六百七十六条、《中华人民共和国民事诉讼法》第六十四条第一款、第一百四十四条之规定，判决如下：一、被告黄朝国应于本判决生效后五日内支付原告重庆农村商业银行股份有限公司永川支行信用卡欠款本金19 719.75元；二、被告黄朝国应于本判决生效后五日内支付原告重庆农村商业银行股份有限公司永川支行透支利息、复利、违约金及年费（透支利息、复利、违约金、年费均按《重庆农村商业银行江渝信用卡.商社汽贷汽车联名信用卡领用合约》、《重庆农村商业银行信用卡章程》的约定计算,其中利息以透支本金为基数，复利以尚欠利息为基数，自透支记账之日起计算至实际清偿之日止，违约金以每期还款的最低还款额的未偿还部分为基数，自记账日起计算至实际清偿之日止，年费200元，以上总计不得超过年利率24%）；三、驳回原告重庆农村商业银行股份有限公司永川支行的其他诉讼请求。如果未按本判决指定的期间履行给付金钱义务，应当按照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。案件受理费442元，减半收取221元，由被告黄朝国负担。如不服本判决，可在判决书送达之日起十五日内，向本院递交上诉状，并按对方当事人的人数提出副本，上诉于重                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          庆市第五中级人民法院。  审  判  员   周文新                      二〇二一年五月二十四日 书  记  员   蔡佳君 - 1 -