浙江省义乌市人民法院民 事 判 决 书（2019）浙0782民初1113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：黄涛，男，1992年9月16日出生，汉族，住湖南省邵东县。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黄涛信用卡纠纷一案，于2019年1月10日向本院提起诉讼，请求判令被告黄涛归还原告信用卡透支款本金88680.38元，利息5406.09元，滞纳金5592.18元，合计99678.65元（已暂算至2018年10月31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。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，2014年5月23日，被告黄涛向原告申请了一张授信9万元的信用卡，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2014年6月2日发放给被告一张卡号为62×××08的信用卡。嗣后被告黄涛进行使用上述信用卡，截止2018年7月28日，尚欠透支款本金88680.38元及利、罚息、违约金1775.13元。本院认为，原告主张的利、罚息、违约金之和折算后已超过月利率2%，超过部分本院不予支持。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，《中华人民共和国民事诉讼法》第一百四十四条的规定，判决如下：一、被告黄涛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88680.38元及利、罚息、违约金（计算至2018年7月28日为1775.13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、驳回原告浙江泰隆商业银行股份有限公司金华义乌支行的其他诉讼请求。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2292元,由原告负担80元，被告负担2212元，公告费560元，由被告负担。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。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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