广东省深圳市福田区人民法院 民 事 判 决 书 （2020）粤0304民初41987号 原告招商银行股份有限公司信用卡中心，住所地上海市浦东新区来安路686号，统一社会信用代码91310000786713482M。 负责人刘加隆，总经理。 委托诉讼代理人关军章，广东深大地律师事务所律师。 委托诉讼代理人胡莎洒，广东深大地律师事务所实习律师。 被告程芝瑜等100人（各案被告及身份信息详见附表一）。 上列原告与各被告信用卡纠纷一百案，本院受理后，依法适用简易程序公开开庭进行了审理。原告委托诉讼代理人关军章、胡莎洒到庭参加了诉讼，各被告经本院依法传唤均未到庭参加诉讼，本院依法缺席审理。一百案现已审理终结。 案件相关事实： 一、各被告向原告申领招商银行信用卡并接受《招商银行信用卡（个人卡）通用领用合约》及申请表所有条款为持卡人使用该信用卡的合约条款，原告经审批同意给各被告办理了信用卡（卡号详见附表二）。 二、根据上述《招商银行信用卡（个人卡）通用领用合约》及收费标准：持卡人在免息还款期内偿还当期已出账单的全部款项，无须支付非现金交易的利息，否则，自记账日起按日利率万分之五计收利息至清偿日止，按月计收复利，如有变动按中国人民银行的有关规定执行；持卡人以信用卡办理预借现金交易不享受免息还款期待遇，由预借现金交易发生日起按日利率万分之五计收利息至清偿日止，按月计收复利；持卡人超过账户信用额度用款，不享受免息还款期待遇，应支付超过额度用款部分自记账日起按原告核准的对应期间的日利率计收的利息；持卡人及其附属卡持卡人一经设置信用卡交易密码，则可使用预借现金功能，即可进行现金提取、现金转账。持卡人可以选择以最低还款额方式还款，选择最低还款额方式不享受免息还款期待遇。持卡人如未于每月到期还款日（含）前还清当期最低还款额，除应支付透支利息外，还应支付滞纳金，滞纳金为最低还款额未还部分的5%，最低为人民币10元或美金1美元；持卡人若未依约还款或有违法违规、欺诈行为，银行有权催收、依法追索并停止持卡人卡片之使用。 招商银行信用卡收费标准显示：预借现金手续费，境内为预借现金交易金额的1%，最低收取人民币10元/笔，境外（含港澳台）为预借现金交易金额的3%，最低收取人民币30元/笔或美金3元/笔；损坏换卡手续费人民币15元/卡；快递费人民币20元/封；挂失费人民币60元/卡；调阅签购单手续费（副本）境内人民币20元/笔，境外美金5元/笔；开具证明手续费人民币20元/份；以上费率如有变动以最新公告为准。 关于分期手续费则按各被告实际申请的分期种类的收费标准分别进行计算，具体收费标准为：现金分期手续费收费标准为：3期每期手续费费率0.95%，6期每期手续费费率0.80%，10期每期手续费费率0.75%，12期每期手续费费率0.75%，18期每期手续费费率0.75%，24期每期手续费费率0.75%；账单分期手续费收费标准为：单期手续费费率为0%-1.67%（实际费率以申请订单的系统测评结果为准）。 原告于2016年9月30日在其官网上公布了《关于取消、调整部分信用卡服务收费项目的公告》，载明：为落实《中国人民银行关于信用卡业务有关事项的通知》（银发[2016]111号）有关规定，招商银行将“滞纳金”调整为“违约金”，收取标准不变。 三、各被告开通并使用该信用卡进行相关交易，但未能依约向原告还清交易款项（详见附表二）。 四、原告诉讼请求：各被告向原告偿还信用卡欠款本息及滞纳金/违约金、分期手续费等费用（欠款详见附表二，暂计日之后的利息及滞纳金等费用按协议约定及人民银行之规定计至清偿之日止）；各被告承担各案的全部诉讼费用（详见附表二）。 41910号案件被告王军彦、41923号案件被告敬礼提交书面答辩状，确认欠款属实，希望原告停息挂账，减免滞纳金、利息、手续费用。 41940号案件被告文威锋提交书面答辩状，辩称其实际欠款低于原告主张的数额，且原告主张的息费存在本息滚复利的情形，总计超过一年期贷款市场报价利率的四倍，请求法院予以扣减。 判决结果： 本院认为，各被告向原告申办信用卡，原告经核实及审批后向各被告出具信用卡，该行为经双方签署的《招商银行信用卡（个人卡）通用领用合约》予以确认，是双方当事人的真实意思表示，且不违反法律及行政法规的强制性规定，依法属有效，双方当事人应严格履行各自的义务。 原告依约向各被告发放了信用卡并提供约定的金融服务，而各被告在使用中多次消费透支，且拒不偿还透支款项，已经构成违约，根据法律规定，原告有权要求各被告清偿透支款项及由此而产生的利息、滞纳金/违约金、分期手续费及其他费用。上述案件滞纳金按照协议约定及中国人民银行的规定计至2016年12月31日，并自2017年1月1日起按照原告《关于取消、调整部分信用卡服务收费项目的公告》的标准计收违约金。鉴于滞纳金及违约金的计收标准一致，在本案判项中进行一并表述。但原告所主张的上述费用中部分含有金融消费贷款所产生的费用未作区分，且利息及违约金计收标准过高，本院酌定予以调整，确定利息、滞纳金/违约金及分期手续费的计收总计应不超过欠款本金为基数按年利率24%计算。被告王军彦、敬礼、文威锋主张调整息费的答辩意见，本院已予采纳。被告文威锋辩称欠款数额有误，未提交证据证实，本院不予采纳。其他各被告在本院向其送达起诉状等法律文书后，未答辩、未举证质证，亦未到庭参加诉讼，本院视各被告对原告提出的诉讼请求放弃抗辩权利。 综上所述，依照《中华人民共和国合同法》第四十四条第一款、第六十条第一款、第一百零七条、第二百零五条、第二百零六条、第二百零七条，《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、各被告应于本判决生效之日起十日内偿还原告招商银行股份有限公司信用卡中心欠款本金、利息、滞纳金/违约金、分期手续费、取现手续费、年费及杂费（详见附表二），之后的利息、滞纳金/违约金按协议约定、原告《关于调整信用卡项目服务项目的公告》及中国人民银行的规定计至款项付清之日止，但利息、滞纳金/违约金及分期手续费、取现手续费、年费及杂费的计收标准总计应不超过以欠款本金为基数按年利率24%计算； 二、驳回原告招商银行股份有限公司信用卡中心的其他诉讼请求。 如果未按本判决指定的期间履行给付金钱义务，应当依照《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。 各案案件受理费、财产保全费（详见附表二），由各被告负担。 如不服本判决，可在本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，上诉于广东省深圳市中级人民法院。 审判员 魏 巍 二〇二〇年九月三十日 书记员 陈斯昕 附表二： 序号案号被告案件相关事实裁判结果（单位：元） 卡号暂计日原告诉请欠款总额（单位：元）本金利息分期 手续费滞纳金/违约金年费取现 手续费杂费受理费保全费 141884程芝瑜51871008009257622020/09/1591880.0259032.0315510.95017322.040015.00797.490 241886张木标51871871190582112020/09/09564952.69351753.6281916.0459066.0972216.940004668.863288.86 341887吴胜峰62257600381817772020/09/15162282.23107423.3419526.6913195.2022137.000001776.100 441888廖泽森62257500355529482020/08/25362149.80258333.3517432.5733701.2552682.630003366.120 541889丁德红43922508109289932020/08/19211008.42144616.0622779.0314671.1228942.210002232.560 641890秦浩51871871172880262020/09/12108042.4870869.6910335.257002.7519834.790001220.930 741891靳向阳51871871143280802020/09/09234210.23152420.0837947.159829.0234013.980002406.581691.05 841892温建设51871871144076522020/09/09165331.08108830.7926567.9311103.9218828.440001803.311346.65 941893黄伟海43922500554777302020/09/07364124.04236205.8856545.9724507.3046864.890003326.010 1041894唐朝辉43922582003890562020/08/25199625.54125590.4525214.05048821.040001723.300 1141895叶茂华43922583076458552020/09/05249055.65159648.6126970.3425851.0036585.700002190.100 1241896彭孝双51871081049254382020/09/15240684.14146004.5427834.8223395.4943449.290002234.560 1341897祝丽43922573804746052020/09/12159064.45103809.8319645.068781.1126828.450001491.560 1441898王文波43922583861010362020/08/20179099.57117124.5724943.00811.3136220.690001628.640 1541899陈友江43922500268638852020/09/10382417.89254757.8235266.3426043.6966350.040003518.300 1641900袁平43922608023080622020/08/25614756.96381817.1283288.8254603.8395047.190004893.300 1741902黄南哲43922600173061252020/09/07127477.0689921.7015106.72911.1121537.530001193.490 1841903赵世杰43922571126037292020/09/15235722.46144757.8031652.555878.3153433.800002210.250 1941904刘巧媚43922587820818242020/09/07359212.18224976.1752241.003607.3278050.490337.2002994.840 2041905温火照43922500025041642020/09/0590587.8759988.9914858.50015740.38000880.230 2141906谢晓明43922500365242122020/09/15185398.45119249.1123542.426224.0436377.88005.001683.910 2241907秦健43922683887150302020/09/07265868.99171234.532777.382288038892.140084.972395.390 2341908陈榜龙43922608005706552020/09/15199655.27115493.7932071.76049067.723022002077.740 2441909陈建军62257687189630592020/09/10188857.35124113.6727467.908351.0228924.760001867.920 2541910王军彦62257500122487002020/09/09212531.79136284.4329085.7714406.7132714.8804002091.040 2641911李和凯43922500423118102020/09/03184497.11117138.6424859.369312.2833186.830001793.170 2741912刘强62257687338131642020/09/03233876.21146690.3934325.623413.3649446.840002176.480 2841913牛俊62257888800531092020/09/08153009.8099724.3824073.852571.7426639.830001476.650 2941914陈冰43926051169875082020/08/25253633.22167684.3119369.0624585.6141994.240002552.250 3041915梁自川62257583834063932020/09/03130197.2179542.2422070.644724.7623859.570001411.910 3141917邢卫国43922500044153512020/09/15253761.55168594.7736122.369148.9439895.480002366.260 3241918柯汉盛43922600013649812020/09/05109546.2169975.8317567.30021403.08600001089.580 3341919王伟娟51871871163237662020/09/1669400.3748244.835474.053748.5011932.99000768.17714.53 3441920刘蓉35688911850985482020/09/16214085.19146466.0626687.953802.1737129.010001824.890 3541921赖以媚62257575126027992020/09/07226030.80147987.3428170.7313306.1936566.540002014.560 3641922方华43922583052726522020/08/25227796.67149570.4527743.831976.2048506.190001937.260 3741923敬礼43926051171041292020/09/15224148.13137399.3230755.82180054192.990002033.070 3841925李兰兰03702860807637482020/09/0785016.5254318.9615125.45015572.11000869.35795.47 3941926刘承国51871075086622252020/08/25150710.0391562.8626731.804238.1128177.260001757.740 4041927伍先广43926051804885652020/09/05406721.54241604.6370414.951484.2293217.740003598.840 4141928郭飞43922508053361522020/09/10205639.12135721.8824664.408651.0436601.800001844.990 4241929杨慧华43922576003849232020/08/25209239.58132369.0225095.0816707.0735068.410002040.810 4341931张小丽43922600196276922020/09/05199532.70156966.4921736.599223.2411606.380001915.540 4441932杨明定51871081815279582020/09/07346414.50222180.7946408.3619842.7057982.650003191.800 4541933陈林62257683801186852020/08/17377427.66229457.7664063.175296.6378610.100003394.270 4641934周丽芳62257583032654732020/08/25343089.40203454.0754190.4426696.7358748.160003117.760 4741935张朝坤43922500465777472020/09/06459126.15297287.4670199.4515485.6576044.720108.8703855.990 4841936刘博43922600193864632020/09/05343007.31220661.2439721.8719082.5463541.660003195.260 4941937刘湘鄂43922600202370932020/09/16325255.75210219.5739557.3014203.8161275.070003082.230 5041940文威锋62257600220812072020/08/18318591.58215635.3627354.812799047611.410003039.440 5141942王欣62257687243036622020/09/09336078.09207264.8438244.1640130.7650438.330003005.030 5241943林节妮43922608001253512020/08/25102052.9979295.6510945.40011701.94011001033.110 5341944王宏岩43918800809246772020/09/07206640.90149986.4628905.86027748.580002056.670 5441945杨红43922600330911232020/09/08173982.79116411.8320555.15037015.810001786.420 5541946欧阳沣62257888004658882020/08/18213186.60155127.0230306.73027752.850002357.190 5641949刘万**43922683239972632020/09/03188911.95137469.4821707.13029730.34005.001892.720 5741950韦华清43922500147714052020/09/10228803.86155992.6528802.734735.4139273.070002241.430 5841951张雄军43922683166950562020/08/22316945.26204722.4043582.788344.0860296.000002887.370 5941952陈景慧62257683844126622020/09/10380909.98268345.7748117.9913492.8650934.36019.0003292.490 6041954蒲贤62257583811200122020/09/15350814.29212623.2956229.8223452.0057686.180823.0003209.420 6141955蓝兵62257575876755552020/09/03182895.95113952.6525375.33043567.970001666.000 6241956刘运娇43922683245560192020/09/07134499.98107424.8414975.554937.467162.130001380.420 6341957陈嘉和62257687820066292020/09/1750126.6739453.037075.0003598.64000858.930 6441958罗佳乐43922500360936972020/09/15337319.21207264.9650905.5930529.2048619.460003111.420 6541959高强胜43922500363001672020/09/15348268.46222957.1941659.0124529.7859122.480003193.870 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