广东省深圳市福田区人民法院 民 事 判 决 书 （2020）粤0304民初40565号 原告中国建设银行股份有限公司深圳市分行，住所地深圳市福田区益田路6003号荣超商务中心A栋05整层、06整层、11至14整层、23至26整层、35至38层整层，统一社会信用代码914403004557663795。 负责人王业，行长。 委托诉讼代理人陈子煌，广东嘉得信律师事务所律师。 被告徐海菲等人（各案被告及身份信息详见附表一）。 上列原告中国建设银行股份有限公司深圳市分行与各被告信用卡纠纷一百二十二案，本院于2020年7月5日立案后，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陈子煌到庭参加了诉讼，各案被告经本院合法传唤，无正当理由拒不到庭，本院依法缺席审理。本系列案现已审理终结。 案件相关事实 一、各被告向原告申领建设银行信用卡，并接受“信用卡领用协议”及申请表所有条款为持卡人使用该信用卡的领用条款，原告经审批同意为各被告办理了涉案信用卡（卡号详见附表二）。 其中部分案件被告签署了专项分期申请表，向原告申请专项分期金额，并约定了分期期数和利率。专项分期申请表约定条款对应的申请表所指的龙卡信用卡是指由建设银行发行的各类信用卡，分期业务每期应还本金金额在账单日入账并计入信用卡最低还款额，且自入账日起占用信用卡信用额度；根据分期交易期数按月入账，并全额计入信用卡最低还款额；信用卡分期付款业务的利息、滞纳金等计算规则以及其他未尽事宜依据《中国建设银行龙卡信用卡章程》、《中国建设银行龙卡信用卡领用协议》及其他业务规定执行；申请人承诺按龙卡信用卡对账单所显示金额按期归还欠款。申请人在到期还款日前全额偿还对账单列示的当期应还款额时，当期分期应还本金可享受免息期；申请人在到期还款日前未按对账单列示的当期应还款额全额还款的，当期分期应还本金将依照龙卡信用卡领用协议计收利息；如未按对账单列示归还最低还款额，另收滞纳金。申请人不履行与分期付款相关的协议，发生上述事项之时视为全部到期，申请人应当一次性偿还全部剩余欠款，包括但不限于本金、手续费、利息、滞纳金等全部应还款项。 二、“信用卡领用协议”载明：各卡种年费（详见中国建设银行信用卡收费项目及标准）；境外取现手续费：通过VISA、万事达卡，JCB或其他非银联网络取现，取现金额的3%，最低3美元或3欧元；通过带有银联受理标识的ATM取现，12元+取现金额的1%，其中按取现金额的1%计算的部分最低为2元；境内取现手续费：取现金额的1%，最低2元，最高100元；损坏换卡手续费为20元/卡；挂失手续费为50元/卡，挂失补发新卡免补卡手续费；各被告在对账单规定的到期还款日前偿还了全部欠款的，对账单所载消费交易可享受最长50天，最短20天的免息还款期，否则原告自记账日起计收利息，日利率为万分之五，按月计收复利；各被告提取现金时，须按笔支付手续费，透支取现交易不享受免息还款期，原告自记账日起计收欠款利息，日利率为万分之五，按月计收复利；各被告未在到期还款日前偿还全部欠款的，全部应还款项（含各被告已还部分款项）不享受免息还款期，自银行记账日起按规定利率计算透支利息；各被告未在到期还款日前偿还最低还款额的，除按前款规定计收利息外还须按月支付滞纳金，滞纳金为最低还款额未还部分的5%，最低1美元或5元人民币；原告有权依据国家有关规定及业务需要对相关使用指南、《收费项目及标准》及中国建设银行信用卡章程进行调整，正式对外公告后执行并适用于本协议，无需另行通知各被告，信用卡的所有收费项目及标准，均以原告最新公告为准。 三、原告在其官方网站上公布有不同信用卡办理不同分期付款业务时，相应的分期手续费收费标准及其他细则。所有分期付款业务均规定需由持卡人申请，并经原告审批通过后方可办理。主要的分期业务包括：账单分期、现金分期，具体分期付款业务及手续费收费标准在各分期业务约定条款中有明确的约定。持卡人分期业务的本金分摊额及手续费用计入每月信用卡账单的“本期应还额”，如逾期还款，银行将依照信用卡“领用协议”计收相应利息、违约金等费用。 四、2016年8月15日，原告发布《关于对部分信用卡服务项目进行调整的公告》，将“还款滞纳金”调整为“还款违约金”，收费标准与“还款滞纳金”一致。 五、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）。 六、原告诉讼请求：各被告立即向原告偿还信用卡欠款（欠款金额详见附表二，暂计日之后的利息及滞纳金/违约金根据“信用卡领用协议”的约定计至清偿之日止）；各被告承担本案的全部诉讼费用（详见附表二）。 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发放信用卡，该行为经双方签署的《中国建设银行龙卡信用卡申请表》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，并对部分被告提供了约定的金融服务（即各类现金分期、消费分期业务）。各被告在使用中消费透支，但未能全部偿还透支款项，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（鉴于滞纳金、违约金的计收标准一致，在本案判项中一并表述）、分期手续费、取现手续费、年费及杂费。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，且其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、取现手续费、年费及杂费的计收总计应不超过欠款本金为基数按年利率24%计算。各被告在本院向其送达起诉状等法律文书后，未答辩举证、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，《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中国建设银行股份有限公司深圳市分行欠款本金、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、驳回原告中国建设银行股份有限公司深圳市分行的其他诉讼请求。 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，已由原告预交），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 140496号徐海菲43674551047167792020/3/1034577.6226920.054480.44192.782984.35000332.220 240497号潘亚平62596518773424232020/3/925260.5913527.467998.793207.6526.74000215.760 340498号余小江62596518794724832020/3/1043340.1232581.267955.3202803.54000441.750 440499号刘伟62596518739893262020/3/948776.9533712.819795.5429702298.6000509.710 540500号黄勇62596543503593852020/3/649140.0637901.077311.442970957.55000514.250 640501号邓志林62596508860511082020/3/623532.2915435.047355.910741.34000194.150 740502号陈兵62596508837645962020/3/6724.2435.96208.21080.03000250 840503号吴江正62596508840107752020/3/9906.6476.58371.16058.86000250 940504号陈小琼62596508873915782020/3/61820.181437.32321.93060.93000250 1040505号郑维康62596509995570822020/3/102099.661397.08584.470118.11000250 1140506号吴绍伟62596635015774642020/3/102372.7201216.18509.68646.86000250 1240507号李天培625965088665067720220/3/93625.951840.991375.830409.13000250 1340508号许奕彬62270802103065732020/3/103767.592596.99596.730573.87000250 1440509号罗世宣62596535100702132020/3/93956.291822.931918.330215.03000250 1540510号卢美支62596509982427932020/3/94061.952621.131253.540187.28000250 1640511号李周寅62596535505607272020/3/94085.692833.41025.0878.28148.93000250 1740512号陈丽芳62596535141148432020/3/64976.272746.251558.80671.22000250 1840513号彭显菊48959203175999412020/3/94993.181927.952039.90445.3358000250 1940514号何强62596535078383412020/3/65382.53750.04730.93546.95188.5816006250 2040516号杨道淼43674801008955752020/3/105870.063860.441165.11307.4537.11000250 2140517号陈庚62596535123961292020/3/619833.4614265.43804.421192.5571.14000147.920 2240518号李红娟43674801143758872020/3/96016.913669.52037.060310.35000250 2340519号刘迪62270804150781592020/3/97619.626229.011004.40386.21000250 2440520号伍景芳62596535048830272020/3/109223.127083.31891.071002246.74000250 2540521号黄培凤62596535042542862020/3/620354.2514142.025672.920539.31000154.430 2640522号张志坚62596535061091572020/3/109702.087224.061780.5636.04661.42000250 2740524号方龙金62596535036098372020/3/620642.0712754.66228.87562.981095.62000158.030 3840525号赖县辉62216810046811332020/3/610520.398277.411730.840512.1400031.50 2040526号吴文豪62596508867647422020/3/1020964.3812898.256146.42396.531523.18000162.050 3040527号彭海波62270804151778602020/3/910708.465370.673548.291006.71782.7900033.860 3140528号董令坡62270802102944562020/3/611195.787738.421916.28404.521136.5600039.950 3240529号余席飞62596508835433132020/3/1011535.238476.852643.650414.7300044.190 3340531号王小娴53245800211825882020/3/921655.9515747.753194.3862.091851.81000170.70 3440533号廖坚英62596535033967322020/3/911748.898565.411916.05786.67480.7600046.860 3540534号朱成元62596568502449002020/3/1012548.996579.994475.381100380.62013056.860 3640535号郑维勇43674800794147212020/3/1022176.0214252.55902.53682.461338.53000177.20 3740536号王永日62596508888422722020/3/912964.028191.644240.750531.6300062.050 3840537号颜钟杨62596503699816642020/3/1013368.457915.554143.311021.44288.1500067.110 3940538号李建浩43674851087487672020/3/922549.1814939.065755.66531201.52000181.860 4040539号叶复坤62596535130754172020/3/1013423.18825.973704.6120.45772.0800067.790 4140540号邓小元62596535093784782020/3/622803.91180003464.6501339.26000185.050 4240541号零增浩62596508879876722020/3/922863.7915744.685491.5699.57928.04000185.80 4340542号钟杰62596535092158602020/3/1015057.949085.435014.6366.06891.8200088.220 4440543号吴江正62596527535136082020/3/1015097.895004942.60655.200088.720 4540544号黄有雄62596508547853802020/3/623645.918043.092411.951860.41330.46000195.570 4640545号曾树平62596535045396522020/3/615871.889976.354318.924001176.6100098.40 4740546号任霞生62596535095586162020/3/923961.9718943.942497.211513.681007.14000199.520 4840547号舒特夫62596535073494972020/3/917437.3413672.862031.73615.691117.06000117.970 4940548号巫云桂43674551510007212020/3/925346.2118425.744515.44183.032219003216.830 5040549号张振华62596508842410572020/3/1017866.9312860.043761.12212.041033.73000123.340 5140550号翟小立625965350204833420220/3/1026338.117095.097591.27377.341274.4000229.230 5240551号黄中华62596535024023742020/3/618317.6611121.585821.57920.62453.89000128.970 5340552号周涛53245820002565082020/3/1026939.0317895.27069.165041470.67000236.740 5440553号陈冠雄62596535092848332020/3/618539.8511664.095141.47388.81345.49000131.750 5540554号萧小葵43674501274435352020/3/1028250.5621724.413736.7835.261954.19000253.130 5640555号阮国军62596535144156612020/3/918937.2414897.082944.0401096.12000136.720 5740556号钟彩明62596535038774672020/3/1028433.2321118.424274.903039.91000255.420 5840557号谢汉邦62216820303853192020/3/1029138.3218318.488141.224882190.62000264.230 5940558号劳秋桂62270805304538992020/3/929521.2322951.673819.771252.721497.07000269.020 6040559号朴基成62596508836396322020/3/930913.7922753.926956.8732.621170.38000286.420 6140560号曾浩峰62596535080652092020/3/631749.624146.815051.711059.71491.38000296.870 6240561号张来英53169300026725542020/3/1033401.9323942.325587.51280.392591.72000317.520 6340562号陈洁62596635001454792020/3/64881433352.2211606.8703854.91000510.180 6440564号梁世芳62596535012160152020/3/934086.0421774.629417.621552.471341.33000326.080 6540565号苏爱玲62596518798594652020/3/923883.5415346.275756.3402780.93000198.540 6640566号董涛62596568500850632020/3/634838.1926357.444060.532750.511669.71000335.480 6740567号吴迪43674801212750472020/3/925837.6216925.556257.03111.332543.71000222.970 唐荣清 6840568号杜钦辉62596535051338512020/3/635628.5622549.7711151.69555.391371.71000345.360 6940569号严志辉43674801067554762020/3/1027198.8616131.210422.830644.83000239.990 7040570号米其杰62596535095983722020/3/936571.1126640.155998.18265.73664.08003357.140 7140571号夏诣帆43674801063944252020/3/1027897.1415044.917126.42945.312780.52000248.710 7240572号张欣62596535024022672020/3/1036938.4527528.935972.95465.482971.09000361.73389.38 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