浙江省义乌市人民法院民 事 判 决 书（2019）浙0782民初1112号原告：浙江泰隆商业银行股份有限公司金华义乌支行，住所地：义乌市稠城街道稠州北路1401-1411号。负责人：朱浩乐，行长。委托诉讼代理人：龚奎境、张钢斌，原告公司员工。被告：张建贵，男，1978年11月1日出生，汉族，住浦江县。被告：张灵飞，女，1961年3月14日出生，汉族，住浦江县。被告：陈飞英，女，1983年5月28日出生，汉族，住浦江县。被告：葛就达，男，1958年2月24日出生，汉族，住浦江县。被告：葛磊，男，1985年5月3日出生，汉族，住浦江县。原告浙江泰隆商业银行股份有限公司金华义乌支行与被告张建贵、张灵飞、陈飞英、葛就达、葛磊信用卡纠纷一案，于2019年1月10日向本院提起诉讼，请求判令：1、被告张建贵归还原告信用卡透支款本金53936.36元，利息1019.81元，罚息3140.43元，违约金1779.9元，合计59876.5元（利息、罚息暂算至2018年11月30日止，之后按合约继续算至履行完毕之日止）并承担诉讼费用；2、被告张灵飞、陈飞英、葛就达、葛磊对以上款项承担连带清偿责任。本院受理后，依法组成合议庭，于2019年5月27日公开开庭进行了审理。原告的诉讼代理人张钢斌到庭参加诉讼。被告经本院合法传唤，无正当理由未到庭。本案现已审理终结。本院经审理查明，2010年8月13日，被告张建贵向原告申请了一张授信20万元的信用卡，信用卡领用合约约定，透支日利率为万分之五，被告应根据原告规定在到期还款日营业终了前（账单日后的第27天）偿还当期应还款项，未能归还的，每月还应按到期还款额的未还部分计付5%滞纳金。原告经审核后于2010年8月19日发放给被告张建贵一张卡号为62×××03的信用卡。该卡有效期为三年，三年到期后，原告为被告张建贵办理了续卡。2013年7月22日,被告张灵飞、陈飞英、葛就达、葛磊与原告签订了一份《信用卡保证合同》一份，约定被告张灵飞、陈飞英、葛就达、葛磊对被告张建贵的信用卡申请在30万元范围内承担该卡所发生的透支本金、透支利息及费用（超限费、滞纳金、年费、手续费、追索费等各项费用）等全部债务承担担保责任。因被告张建贵信用卡丢失，补办新卡，原告于2014年10月22日发放给被告张建贵一张卡号为62×××11的信用卡。嗣后被告张建贵进行使用上述信用卡，截止2018年11月30日，尚欠透支款本金53936.36元，利息1019.81元，罚息3140.43元，违约金1779.9元。本院依照《中华人民共和国合同法》第二百零五条、第二百零六条、第二百零七条、《中华人民共和国担保法》第十八条、第二十一条，《中华人民共和国民事诉讼法》第一百四十四条的规定，判决如下：一、被告张建贵于本判决生效后五日内给付原告浙江泰隆商业银行股份有限公司金华义乌支行透支款本金53936.36元及利、罚息、违约金（计算至2018年11月30日为5940.14元，以后按合同约定计付至实际履行完毕之日止，但折算后最高不得超过月利率2%）。二、被告张灵飞、陈飞英、葛就达、葛磊对以上款项及诉讼费用承担连带清偿责任。如果未按判决指定的期间履行给付金钱义务的，应当依照《中华人民共和国民事诉讼法》第二百五十三条的规定，加倍支付延迟履行期间的债务利息。案件受理费1297元，由被告张建贵负担。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，上诉于浙江省金华市中级人民法院。（此页无正文）审 判 长  季东勤人民陪审员  王宏大人民陪审员  王雄斌二〇一九年六月十四日书 记 员  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