西安市未央区人民法院民 事 判 决 书（2019）陕0112民初9707号 原告王蒙，男，1991年5月13日出生，汉族，陕西省眉县人，现住西安市雁塔区，公民身份号码XXXXXXXXXXXXXXXXXX。被告陕西万控商贸有限公司。住所地：西安经济技术开发区凤城四路西安国际企业中心B座2502室。统一社会信用代码91610112MA6U631M25。法定代表人王程，总经理。委托代理人胡迪，陕西奉长律师事务所律师。委托代理人张倩妮，陕西奉长律师事务所律师。原告王蒙与被告陕西万控商贸有限公司信用卡纠纷一案，本院受理后，依法组成合议庭，公开开庭进行了审理。原告王蒙，被告陕西万控商贸有限公司的委托代理人胡迪均到庭参加诉讼。本案现已审理终结。原告诉称，2017年11月27日，其与被告签订《提额协议书》，约定其将信用卡托管给被告，被告负责每月20次以上的消费次数，并确保良好的信用记录；卡内金额约为8万元，合同履行期限6个月，达到提升信用卡额度的目的。2018年5月，合同到期，被告未依约返还信用卡，并多次刷取约8万元，却不予偿还。诉请：被告返还10万元；诉讼费由被告承担。被告辩称，其与原告约定代原告刷信用卡，提升原告的信用卡额度。总计刷卡7万元左右，已通过其公司的原法定代表人锁小福账户向原告共计偿还了7.3万元，将刷取原告的信用卡金额全部转账至原告账户，双方不存在债权债务关系。请求驳回原告全部诉请。经审理查明，2017年11月27日，原告（乙方、持卡人）与被告（甲方、操作方）签订《提额协议书》，约定：乙方将信用卡托管给甲方，乙方按每月信用总额度的2%在签约时一次性结算3个月费用给甲方，所有操作过程中的分期费用以及乙方之前办理的分期费用未到期的全部由乙方承担；协议期间，甲方分多次帮乙方还清当月账单，也分多次消费，甲方保证做到每月20次以上的消费频率；甲方提额度到封顶后，乙方需支付在协议期间的所有费用后本协议自动终止；本协议提额有效期限为2017年11月27日至2018年5月27日。协议签订当日，原告将其招商银行卡号为XXXXXXXXXXXX1733，固定额度1.8万元，临时额度2.6万元，卡内余额16641.25元的信用卡一张，以及交通银行卡号为XXXXXXXXXXXX9282，固定额度30765.83元，临时额度27984元，好享贷3000元的信用卡一张一并交给被告。被告应于2018年5月27日归还原告的银行卡，但却于2018年7月13日将招商银行信用卡还给原告，2018年7月18日将交通银行信用卡还给原告。被告还卡时，已将2018年5月27日之前刷卡金额全部还清。2018年6月、7月刷卡金额为：交通银行卡未还款金额46595.79元，招商银行卡未还款金额24946.17元。此外，被告于2017年12月27日在E招贷贷款3万元，欠26993.92元未还。E招贷贷款3万元，系银行转至原告招商银行尾号为7587的储蓄卡上，原告将该笔贷款根据被告原法定代表人锁小福的要求，从招商银行7587的储蓄卡通过支付宝转至被告原法定代表人锁小福的账户，被告通过尾号为2258的招商银行卡偿还了部分贷款，尾号为2258的招商银行卡号为虚拟卡号。以上被告欠款合计98535.88元，被告之后仅偿还了7.3万元，还欠25535.88元。现原告已还清了上述全部款项。庭审中，原告明确诉讼请求为：被告偿还信用卡透支金额25535.82元；支付其损失51464.18元。因其准备用信用卡偿还贷款，但信用卡还款逾期，导致其其他贷款多偿还了34900.99元的利息损失；为给涉案的2张信用卡还款，其向APP贷款产生利息损失：360贷款利息2760元、平安普惠利息14076元、分期乐利息3607.39元，以上损失合计55344.38元，其主张损失51464.18元。被告对2018年6月、7月协议期限届满后，其刷卡产生的交通银行卡未还款46595.79元和招商银行卡未还款24946.17元，合计71541.96元的事实均无异议，认为其已经偿还了7.3万元，还清了此款。对原告所述E招贷贷款3万元的事实及证据无异议，但认为与涉案合同无关，原告交给其的卡仅有尾号为1733的招商银行卡和尾号为9282的交通银行卡，没有尾号为2258的招商银行卡。对原告主张的损失51464.18元，认为与其无关。上述事实，有《提额协议书》，“银行信用卡流水账单”，“转账记录”，“招商银行信用卡对账单（2018年1月至2019年7月）”，征信报告，360贷款、分期乐、平安普惠交易详单，借款协议、借款需求登记与信用审核服务协议、还款事项提醒等证据及原告陈述在卷佐证。本院认为，原告为提升信用卡额度将其信用卡交给被告刷卡，被告刷卡后，拖欠71541.96元未按期还款，逾期后共给付原告7.3万元，已经还清了此款。双方主要争议的是2017年12月27日E招贷贷款3万元。原告提交的证据，可以形成证据链，证明被告以原告名义在E招贷贷款3万元，并已部分偿还的事实成立。原、被告约定的期限届满后，尾号为2258的招商银行卡自2018年6月至2019年7月还款26993.92元，此款系原告偿还，原告要求被告给付其，应予支持。至于原告主张的损失，均非直接损失，且与本案争议无直接关系，不予支持。被告对E招贷贷款3万元及其实际还款金额的事实均无异议，且该贷款系基于双方合同产生。故被告提出的该贷款使用的银行卡非涉案合同所涉及的银行卡，此款应另案处理的抗辩，依法不予采纳。依照《中华人民共和国合同法》第二百零六条、第二百零七条，最高人民法院《关于适用的解释》第九十条之规定，判决如下：一、被告陕西万控商贸有限公司自本判决生效之日起五日内偿还原告王蒙26993.92元。二、驳回原告王蒙的其余诉讼请求。如果未按照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2300元（原告已预交），由被告承担，与上述付款时间一并给付原告。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，上诉于陕西省西安市中级人民法院。  审  判  长     王  琦       人民陪审员     马建青人民陪审员     王中琴   二○一九年十一月八日 书  记  员    叶  娟                                                                                                                                                      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