广东省深圳市福田区人民法院民 事 判 决 书（2018）粤0304民初8662号原告：交通银行股份有限公司深圳分行，住所地深圳市福田区深南中路3018号世纪汇广场B1层B112-B114、B123-B128、1层102-105号商铺、107-110号商铺、6-15层、35-48层，统一社会信用代码91440300455769852F。负责人：陈隃。委托诉讼代理人：宋国利，广东弘君律师事务所律师。委托诉讼代理人：王怡妃，广东弘君律师事务所律师。被告杨帆等人（被告信息详见附表）。原告交通银行股份有限公司深圳分行诉被告杨帆等人信用卡纠纷334案，本院受理后，依法适用普通程序，公开开庭进行审理。原告委托诉讼代理人王怡妃到庭参加诉讼，各被告经本院合法传唤无正当理由均未到庭应诉，本院依法缺席审理。上述案件现已审理终结。原告向本院提出诉讼请求：请求判令各被告偿付原告信用卡欠款本金、利息、分期手续费及滞纳金等费用（本金、利息、分期手续费及滞纳金等费用数额详见附表，利息及滞纳金等费用暂计截止日详见附表，此后按领用合约规定继续计至清偿之日止）并分别承担各案诉讼费用。事实与理由：各被告向原告申请办理了信用卡，各被告未按期偿还信用卡欠款，故原告诉至本院。各被告未作答辩，亦未提交证据材料。经审理查明，涉案信用卡领用合约规定：应付款项为被告在原告核定的信用额度内及超信用额度使用信用卡的本金、利息和各项费用等；被告如在原告向被告寄出月结单之日起60天内未对月结单所列交易提出异议，则视同被告认可全部交易；被告到期还款日为原告月结单账单日起的第25天，如被告在到期还款日前全部偿还应付款项有困难的，有权选择原告规定的最低还款额进行还款，被告累积两次（含）以上在到期还款日前未能足额偿还最低还款额的，原告有权停止被告信用卡的使用；被告如未在到期还款日前全额偿还应付款项的，包括但不限于按最低还款额还款的，原告将对被告所有应付款项按每日万分之五计收从原告记账日至还款日止的透支利息，并按月计收复利；被告未能在到期还款日前偿还最低还款额的，原告有权按最低还款额未还部分的5%收取滞纳金，最低人民币10元或1美元。对被告除现金和转帐外的交易，从原告记帐日起至月结单通知的到期还款日止为免息还款期，被告若在免息还款期内偿还全部应付款项，则无需支付除现金和转帐外交易的透支利息；被告使用信用额度取现和转帐的，不享受免息还款期待遇，应按每日万分之五向原告支付自原告记帐日起至全部偿还日止的透支利息；年费、挂失手续费、取现手续费等均按收费表规定执行；被告申请表中的资料如有变化，如通讯录、住所等，应立即以书面、电话等方式通知原告；双方还约定了其他权利义务内容。被告信用卡欠款本金、利息、滞纳金及其他费用等数额及计算截止日期详见附表2。本院认为，被告向原告申领信用卡，原告经审核同意向被告发放信用卡以及被告持卡消费的意思表示真实、有效，双方成立信用卡合同关系，涉案信用卡领用合约对双方具有法律约束效力。被告持卡消费产生欠款后，未依约按期还款，已构成违约，应承担相应的违约责任，向原告偿还欠款本金、利息及滞纳金等合约规定的费用。原告主张分期手续费未提供相关证据，对该部分诉讼请求本院不予支持。原告的其他诉讼请求事实清楚、证据充分，本院予以支持。综上，依照《中华人民共和国合同法》第八条、第一百零七条、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、被告杨帆等人应在本判决生效之日起十日内偿还原告交通银行股份有限公司深圳分行信用卡欠款本金、利息及滞纳金等费用（各项具体数额详见附表2，利息按领用合约约定计至各被告实际履行之日止）;二、驳回原告交通银行股份有限公司深圳分行的其他诉讼请求。如各被告未按本判决指定的期间履行给付金钱义务，则应当依照《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。案件受理费数额详见附表2（已由原告预交），原被告负担部分详见附表2。如不服本判决，当事人可在判决书送达之日起十五日内，向本院递交上诉状，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，并应在收到交费通知之日起七日内向该法院预交上诉案件受理费。逾期不预交的，按自动撤回上诉处理。审 判 长 郭  奕  好人民陪审员 苏  祥  华人民陪审员 唐    琪二〇一八年六月十四日书 记 员 林毅森（代）下续附表判决书附表2：单位（人民币）：元序号案号姓名欠款总额本金利息滞纳金其他费用统计日期诉讼费原告负担被告负担杨帆17771.118999.007978.92743.272017/7/19244.27243.91王六一17793.468751.828197.61772.032017/7/18244.84244.84刘广源18587.358931.968423.25384.192017/7/10264.68254.03徐云华17721.179138.637950.65580.892017/7/21243.02243.02刘勇16045.067902.016865.15815.332017/7/16201.12195.43孙龙18685.479507.078302.88866.522017/7/22267.14267.14李艳16059.447874.037608.54548.872017/7/27201.48201.48罗元16483.188668.182017/7/15212.08212.08张鑫亮16481.988177.047235.67992.552017/7/26212.04212.04左本领16648.538105.007966.132017/7/8216.22216.22韦春荣16911.369235.817675.552017/7/17222.78222.78梁云保16982.299226.827661.872017/7/22224.56224.56曾小军20066.688120.6911803.42121.572018/6/6263.16263.16汤枝枕18308.79368.907985.622017/7/24257.72257.19朱以德18424.979224.458569.15587.372017/7/15260.62260.62王**18754.189849.838433.17471.182017/7/10268.86268.86吴明伟18282.778709.077429.95797.91102.282017/7/6257.06239.58邓宇华19173.449966.569092.212017/7/23279.34279.34陆尚明19098.579474.008902.81697.762017/7/24277.46277.46粟桂香19536.7410832.638704.112017/7/3288.42288.42张品先19748.589872.679231.112017/7/10293.72293.72高磊19770.979829.789279.11632.082017/7/15294.28294.28彭开明19193.8610043.558975.52153.792017/7/27279.84279.84杜兴龙19507.189421.518384.46871.262017/7/11287.68276.06方亚军19612.779864.109029.09697.582017/7/5290.32290.32崔磊19580.7510899.427380.451147.282017/7/6289.52287.60朱晓文8150.234794.143227.682017/7/2凌学新4330.032614.071607.332016/3/12刘海涛9181.295119.913779.65252.732017/7/11李方8597.684195.363545.1836.222017/7/24曾祥财4149.521302.592558.77288.162018/6/6谢丽丽4996.31805.953190.352017/7/15王胤财19078.0910981.327369.09717.682017/7/19276.96276.96宾锋5809.862965.252622.28212.332017/7/27汪龙10312.115934.964129.03234.122017/7/8卢祥12232.445954.476151.88116.092017/7/14105.82105.82王有勇14487.377946.626239.78279.972017/7/25162.18162.18刘堂海15173.477927.806176.48562.282017/7/4179.34174.03李罗清11289.45933.645074.162017/7/25陈常健8685.434340.504126.632017/7/23贺雄16627.428872.857408.8333.772017/7/21215.68215.68罗卫宁16941.048907.307367.52666.222017/7/14223.52223.52魏亚平19489.599181.4510047.98219.162017/7/23287.24287.24彭斌11185.815988.204751.4405.212017/8/10曹松松9241.344466.814590.25115.282017/7/17朱久龙5690.313150.792268.34219.182017/8/2曹书宝2411.642411.642018/6/6262.44262.44黄晓松14022.768403.275218.83388.662017/7/17150.56150.56刘明涛9637.64868.124769.482017/7/21黄志光5200.922859.062142.83178.032017/8/6曹轶林4912.682604.372081.52184.792017/8/3王桐3443.592076.951304.632017/7/26汪建国16011.79292.276719.432017/8/10200.30齐蕙2018/6/6佘小兰19620.2611743.027290.09587.152017/7/27290.50唐梦杰4662.522545.331851.16256.032017/7/24江仁军8826.024998.813470.2336.012017/7/21敖仲章12616.147199.535260.83134.782017/8/12115.40钟哓龙4547.121380.992890.19165.942017/7/27曾海威4593.322000.002290.33204.632017/8/12商光容7150.253300.073574.54225.642017/8/10朱行唐17241.7610302.816938.952017/8/3231.04231.04崔永平4392.622512.081880.542017/8/8谭毅辉19760.4910996.857508.171089.052017/8/8294.02291.81农招12999.045894.406774.65240.992017/8/11124.98124.98李家敏4388.472083.662222.362017/7/17岳闷旺5261.942925.152105.74202.052017/8/7肖明12703.36717.795587.512017/7/15117.58117.58秦杨明4798.962377.382311.642017/7/23刘根华7494.843213.903824.242017/8/2杨娇7162.33936.892930.36271.052017/7/19廖阳阳8825.824999.513469.02345.292017/8/8洪少勇11104.045715.854508.88686.632017/8/12丁昌金14860.496943.097561.19274.212017/8/2171.52171.52莫井富8334.164412.843442.95457.372017/7/14李济超16056.687063.188566.33427.172018/6/6197.02197.02黄善周12741.036339.466360.742017/7/24118.52118.52李萍18571.668988.979248.88312.812017/8/10264.30郑维杰5589.512279.632927.54373.342017/8/1李丽婵7338.673972.033110.01235.632017/7/24黄用胜5452.252933.672287.982017/7/19惠鹏8182.693749.064240.49153.142017/7/25陈金兰11528.484720.46678.712018/6/6黄丽君9410.45369.343903.14116.922017/7/26丁天成2870.69583.772286.922018/6/6古鹏6759.863915.202790.432017/8/2潘廷送8759.494867.203541.63286.662017/7/24谭仁荣18505.659994.757744.94748.962017/7/15262.64262.64周伟10223.654928.655227.092017/8/10柴植3951.282103.321695.19131.772017/8/8吴维忠8529.734333.883870.94324.912017/7/21代莉莉12260.266955.335029.11253.822017/7/27106.50周勇4978.382308.322587.42017/7/16王桂明13753.897826.975543.08341.842017/8/4143.84143.84庞威虎10902.774977.245672.15238.382017/7/18冯西武17439.039971.116682.1770.822017/7/19235.98235.98张小燕11871.466583.374751.892017/7/15吴俊霆3107.571771.211236.212017/7/15李扬9182.384997.003996.97188.412017/7/23周秋坡11335.196335.564556.35422.282017/8/9邹文明6866.43908.462672.69261.252017/7/26蒋小烘7173.673329.953685.7137.022017/8/8王晓锋9463.584998.343248.92496.072017/8/10陈志民7395.973968.423192.38225.172017/8/12谢芳荣8432.94972.113326.412017/7/23梁成楼3990.362231.061610.64117.662017/8/4史玉红16925.548887.477367.89639.182017/8/6223.14223.14陈大斌13984.287963.255132.62199.342017/7/26142.46田性生16754.427963.897802.83404.02583.682017/7/23218.86218.86周剑光4596.742600.211813.26183.272017/7/26莫罕逢18608.788962.119530.152017/7/17265.22265.22徐美专8560.333936.374435.21157.752017/7/22王立平4347.281274.792681.17329.322018/6/6刘兵兵7235.93969.092991.18251.632017/7/25郭明明13196.76858.384824.57656.952017/7/19129.92121.48樊伟11886.534868.626201.55764.362017/7/21尹红9843.194421.374903.422018/6/6李你者2023.742023.742018/6/6范胜雄9237.14903.823939.182017/8/4王洪4783.422715.431910.28136.712017/7/27刘献能8954.474998.003641.74314.732017/7/22祖聪聪10302.254899.005157.98195.272017/7/24郑家顺5638.032552.832809.54254.662017/8/12谢照锋10126.485997.193898.28210.012017/7/24张敏9555.045459.373939.04115.632017/7/17江伟7252.414472.772779.642017/8/7李燕飞8296.523945.414168.85158.262017/7/19皮学良9187.514984.213860.48342.822017/7/21杨时魁9353.984910.114040.73351.142017/7/19周代浪6794.783183.293339.6259.892018/6/6陆峰7907.213780.524026.592017/8/2路刚5331.032967.662058.83262.542017/7/16彭浩才16234.948790.815974.04926.032017/7/27205.88199.66张达权18601.139912.058141.59526.492017/7/23265.02265.02柏军6934.553332.143257.12335.292017/7/25梁宏幸10251.634928.665196.082017/7/16康勇亮15687.078516.536854.2304.342017/7/27192.18192.18彭佐生15814.349173.105911.65669.592017/7/15195.36195.36陈焕新5528.312960.962041.13363.612017/8/4徐发朋13488.617425.275714.78287.562017/7/25137.22137.22胡宇河17328.559841.436574.13432.792017/7/22233.22226.82胡永兵2531.062531.062017/7/16逯盼盼5195.822905.202073.99192.632017/8/2郭玉华14720.037888.346350.73459.962017/7/27168.00陈博文18033.228940.409092.822017/7/26250.84250.84王帅7701.073984.443407.22285.412017/7/26方烈12698.235990.506564.34112.392017/7/24117.46117.46杨再福10361.75078.725100.35182.632017/7/15郭松武8438.543963.304164.88268.362017/7/24赵小平8429.894891.803273.02245.952017/7/18陈利7903.852480.525019.1404.232017/7/19尹棒友5397.442608.352620.95147.142017/8/5阮新旺4795.071246.293413.28126.262018/6/6高美玲19724.449527.909883.96312.582017/8/3293.12293.12李华8784.324818.213602.42339.692017/7/26吴昌甯14198.255776.346918.221462.692017/7/27154.96154.96丁海成10872.195534.825102.68234.692017/8/12陈荣9922.363844.735837.95239.682017/8/10郭韶伟11287.945333.195402.63552.122017/8/5黄河13242.086608.515631.4765.162017/7/26131.06128.71周大荣18876.078824.549635.232017/8/3271.90陈光标10198.623858.386340.242018/6/6钟东兴5073.532363.502592.872017/8/8陈仁华4665.473462.05362.482017/8/7邓国芽5343.14947.314142.35243.482017/8/1龙德华10435.385780.014036.072017/7/16杜耀7798.044242.933255.87281.242017/8/8覃基林6218.632891.073167.81119.752017/7/16尹合国5760.42603.632978.02178.752017/8/3李江生17630.458450.258738.86441.342017/8/6240.76240.76范昭汝8986.864924.073671.86352.932017/7/27黎东9083.64890.583783.6357.422017/7/26黄杰熙4164.392245.751658.29208.352017/8/9陆建勇10854.74939.005350.67383.51181.522017/8/9王立军10823.986235.644326.45241.892017/7/14许湘伟5565.311182.283652.08615.752017/7/23肖境泰7876.753210.993781.27783.692017/7/26黄恒超9461.264521.804675.94198.522017/7/26刘亦初10528.715927.834124.31432.572017/7/17舒先勇8757.95353.493404.412017/7/15岑剑3934.332203.801523.7154.832017/8/4黄智9511.514921.363826.56737.592017/7/24刘金刚2182.07990.071112.592017/8/10翁茂堂8847.24995.223477.82350.162017/7/19冉光耀9226.514122.714898.81183.992017/7/26张二民10589.614916.105081.42144.13447.962017/8/2邓以畅18166.968972.019003.41191.542017/8/3254.18254.18高德志7189.43535.693260.8368.912017/7/27张建胜19124.1210316.467992.69772.972017/8/12278.10吴坚新2029.591359.67159.742017/8/8李绍华3883.902703.12017/8/4吴丰宝7588.633990.913311.06265.662017/7/24宋军正18571.929850.008082.15639.772017/7/23264.30赵勤学6707.062677.223772.35245.492018/6/6梁名进15336.488244.156629.6400.732017/8/11183.42183.42何光基10385.274976.255286.632017/7/26吴进文5133.872249.172719.55125.152017/8/12张妙亮19378.6310864.567287.01326.862017/7/18284.46284.46姚絮10079.654919.925087.212017/7/24林强4397.672488.681734.34174.652017/8/11孙省权9531.662926.216300.01243.442017/7/25惠建华17941.449979.667313.47636.312017/8/4248.54248.54陈华9907.285456.864002.16406.262017/8/2梁启坚4186.022332.131672.27158.622017/8/2李红慧8135.973876.433987.17263.372018/6/6杨朝刚8621.644938.783539.552017/7/14李铁军5615.662996.542393.622017/7/26邰永盛7436.553961.293122.44328.822017/7/18徐锦鸿9088.234910.823795.69340.722017/7/25曾辉9293.974891.424015.18377.372017/7/14杨棉修8407.514850.003406.212017/8/7蔡慧远9257.664992.393347.91785.362017/8/11卓志春12330.445988.146192.83128.472017/8/7108.26108.26谢骏华8750.734992.003418.28328.452017/8/7黄少初16765.898942.756095.54953.282017/7/27219.14209.48黄月大9602.125469.683810.03275.812017/8/11陈玉生8534.345121.213304.142017/7/24杨海涛8287.284667.923373.57224.792017/7/16候体泰10566.614847.225488.06231.332018/6/6姚小慧8720.554330.594212.45156.512017/7/21陈碧军5856.742819.622952.862018/6/6余明明12069.75899.746076.612017/7/15101.74101.74王必古7700.953654.463894.24140.252017/7/15刘治国6532.353404.482632.02388.852017/7/15刘铭兴15642.158478.466976.092017/7/22191.06191.06李勇2100.061093.60885.552017/10/23谯井春3110.19129.242980.952018/6/6魏武生1431.141431.142018/6/6瞿成波3553.472000.001507.342017/11/7区子江3593.052000.001570.452017/11/4黄荣松3747.922000.001714.422017/10/23张建霞3773.682112.691646.092017/10/9盛勇光3830.32252.421577.882017/10/15母泽军3864.582243.011621.572017/10/24唐贵世3960.212096.361745.54109.312017/10/21周永峰3975.572356.661618.912017/11/6林禹年4044.92159.691735.712017/10/23余少华3423.85213.862966.92231.072018/6/6邱小君3772.451167.892335.55187.012018/6/6高积安4170.972221.171738.37169.432017/10/27刘沛辰4220.712377.431808.582017/10/22李云4254.92212.691648.98359.992017/11/3张恒名4454.922500.001879.152017/11/3徐兆欢4267.971260.13007.872018/6/6林燕平4514.522246.392120.232017/10/26黄园园4546.572554.991839.16132.422017/10/15禹小伍4624.232676.381947.852017/10/12曾国红4752.632500.002096.26126.372017/10/14胡成4760.062152.722495.08112.262017/10/10杨朝江4862.132528.382135.97187.782017/10/25关宇3801.87247.513554.362018/6/6张洪伟4934.052497.341893.37274.042017/10/27吴朝兴4734.151497.323236.832018/6/6董效青5106.692859.942246.752017/11/3龚金成5118.362508.092395.872017/10/24黄娇贤5122.372651.752282.49188.132017/11/2张叶5220.892940.902279.992017/11/3王志文5305.42589.262468.142017/10/21牟伦芬5339.143144.122195.022017/11/3罗国规5480.622670.921953.39505.242017/10/10覃国锋5483.692906.692340.22017/10/27刘前龙5486.262955.992291.43212.842017/10/10钟槟键5491.592918.262303.52221.812017/11/6段永利5524.52862.172540.84101.492017/10/25张玉清5616.023459.472156.552017/10/25韦金岸5622.472562.552620.16430.762017/10/13陈舟5699.332096.322763.04639.872017/11/2金峰鹤5703.842974.112536.28193.452017/10/24吴居柱5729.862947.002621.04107.822017/11/7张三春5732.22938.652612.68138.872017/10/25张立洋5753.112962.422369.07409.622017/10/13李吉垒5763.093100.902350.85240.342017/10/11谭俊平5852.912484.072402.08494.082017/11/3肖奎5875.412932.262688.96231.192017/10/19鲁峰5994.732889.922839.34256.472017/10/15何韬6164.773393.892655.982017/10/9王小勇6198.163118.502903.21155.452017/11/7刘建6213.213370.542612.95143.722017/10/12曾德文6226.183315.832662.48237.872017/11/7李文杰6241.462782.89378.572017/10/16胡均6261.793255.602631.45374.742017/10/12何世才6362.453733.842628.612017/11/3曹年新6424.353495.242652.78214.332017/11/2韦文新6478.743408.502820.42229.822017/10/24闵鹏6503.862396.823969.742017/10/21张国勋6556.293000.003448.45107.842017/10/10罗秀豪6559.163524.412830.37204.382017/10/13卢光星6595.313372.712898.78271.822017/10/27刘威6669.743458.732962.84227.172017/10/27李良华6696.583803.922751.23121.432017/10/9文豪6808.363876.002932.362017/10/22林作忠6823.363393.203171.94258.222017/11/6林娇3740.713777.292018/6/6吴旭光6869.153027.763632.13209.262017/10/25陈洪平6898.922710.354056.64131.932017/10/27叶志坤7098.783698.393124.93275.462017/11/5何绪伟7117.93082.633619.83353.442017/10/27黄明7197.133993.923037.58144.632017/10/15张荣林7202.623998.852887.76278.012017/10/14李学明7215.463899.913256.752017/10/22冯建7276.933992.182988.88286.872017/11/4袁林辉7293.663995.463017.74280.462017/10/16古越强7310.443958.833168.3151.312017/11/3蒋元元7311.53919.003058.21292.292017/11/7姜齐7440.733920.373250.34270.022017/10/23马强7447.324131.043316.282017/10/19周志强7465.314421.312017/11/2苏桂鸿7494.363996.112825.5334.212017/10/24王锦棠7524.083942.003328.97253.112017/11/8陈远樟7539.513991.993276.11250.412017/11/2吴银龙7593.613976.793294.34292.482017/10/21王静7594.623782.073540.82252.792017/10/14张锦松7595.073958.203335.24271.632017/10/12杨立银7606.623975.913465.57134.142017/11/3陈亿林7674.883392.903807.71422.272017/11/8雷勇7722.523923.503372.7405.322017/10/22赵明伟7723.173473.763804.86413.552017/11/5施江波7733.673963.893454.6271.182017/10/22路江卫7863.073968.203630.35214.522017/10/25张吉光7864.523786.353794.91265.262017/10/26陈悬7918.913719.923889.96289.032017/10/19袁宝利8028.374181.863497.4307.112017/11/2彭超8154.423465.994392.42244.012017/10/9彭常清8214.344480.103475.242017/11/5丁义杰8279.43853.153696.46685.792017/11/4李曾8307.864170.583719.93396.352017/10/18舒德财8393.484747.563307.322017/10/13张元生8564.125046.043518.082017/11/3李聪8575.554227.474020.06307.022017/10/16庞格8615.784750.793765.132017/10/26姚荣荣8685.564864.543776.342017/10/11周银喜8712.263390.095099.94222.232017/10/26孔燕丽8884.624870.743640.46331.422017/10/22赖正发8952.424809.403900.49221.532017/11/2备注：利息收费标准为日息万分之五，按月计收复利，计至各被告实际履行之日止。