广东省深圳市福田区人民法院民 事 判 决 书（2015）深福法民二初字第5649-5663、5665-5677、5679-5711、5735、5737-5764、5766-5771、5773-5794号原告中信银行股份有限公司深圳分行，住所地广东省深圳市福田区深南中路1093号中信城市广场首层和5-7楼。负责人陈许英，该分行行长。委托代理人梁振玄，广东普发律师事务所律师。委托代理人戴悦玲，广东普发律师事务所实习律师。被告宋某等人（被告信息详见附表1）。原告中信银行股份有限公司深圳分行诉被告宋某等人信用卡纠纷一百一十七案，本院受理后，依法适用普通程序，公开开庭进行了审理。原告委托代理人梁振玄、戴悦玲到庭参加诉讼，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。原告因各被告拖欠信用卡欠款未还，特向本院提起诉讼，请求判令各被告偿付原告信用卡欠款本金、利息及滞纳金等费用（本金、利息及滞纳金等费用数额及暂计截止日详见附表1，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。本院基于查明的事实，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、被告宋某等人应在本判决生效之日起十日内，分别偿还原告中信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［本金、利息及滞纳金等费用的数额及暂计截止日详见判决书附表2，此后的利息及滞纳金等费用仍按原、被告双方在《领用合约》约定的计付标准（详见判决书附表2备注）计至各被告实际履行之日止］。二、驳回原告中信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），由各被告负担。如不服本判决，可在判决书送达之日起十五日内，向本院提交上诉状及副本一式二份，并按规定预交上诉案件受理费，上诉于广东省深圳市中级人民法院。当事人上诉的，应在收到交费通知次日起七日内预交上诉案件受理费。逾期不交的，按自动撤回上诉处理。审 判 长  王春梅人民陪审员  谭文英人民陪审员  徐鲁峰二〇一五年八月十四日书 记 员  张乐艺下续附表：判决书附表1：单位（人民币）：元序号案号被告民族性别本金利息滞纳金等其他费用合计截止日期诉讼费15649宋某汉女9783.313323.53375.0916481.902014／7／16212.0425650方某汉男9782.466146.634101.2720030.362014／7／16300.7535651兰某甲汉男9800.015718.3215534.3931052.722014／7／3576.3145652刘某甲汉男9765.435301.654995.0920062.172014／7／3301.5555653辛某汉男9722.373618.645188.6918529.702014／7／11263.2465654毕某甲汉男9788.054407.896487.8720683.812014／7／5317.0975655臧某汉男9744.653966.52553419245.172014／7／3281.1285656鹿某甲汉男9759.344971.484948.4819679.302014／7／8291.9895657潘某甲汉男9774.723712.423938.5717425.712014／7／6235.64105658张某甲汉男9737.785174.1112586.8727498.762014／7／1487.46115659任某甲汉女9752.072923.123349.3116024.502014／7／20200.61125660陈某甲汉男9943.742890.832765.9815600.552014／7／13190.01135661房某甲汉男9918.723033.983402.4616355.162014／7／14208.87145662逄某汉男9933.212728.033614.8516276.092014／7／3206.9155663韩某汉男9821.933521.162499.0715842.162014／7／8196.05165665刘某汉女9794.314252.035105.1319151.472014／7／2278.78175666吴某甲汉男9808.442913.193580.0616301.692014／7／13207.54185667李某甲汉男9923.992641.133468.1816033.302014／7／17200.83195668孙某甲汉女9780.744740.96174.3920696.032014／7／2317.4205669邹某汉女9992.062500.263410.8815903.202014／7／8197.58215670姜某甲汉男9793.972677.893485.815957.662014／7／4198.94225671沈某甲汉男9978.802858.713478.7416316.252014／7／3207.9235672陈某汉男9821.032943.843672.2916437.162014／7／11210.92245673张某甲汉男9734.642917.973054.415707.012014／7／10192.67255674程某甲汉女9809.073381.232645.5615835.862014／7／13195.89265675贾某甲汉男9701.274606.287857.7922165.342014／7／9354.13275676刘某汉男9704.985136.65281.1520122.732014／7／16303.06285677尚某甲汉男9745.204295.286533.520573.982014／7／20314.34295679梁某甲汉男9757.464475.426993.9221226.802014／7／13330.67305680尹某甲汉男9701.823501.423098.5716301.812014／7／4207.54315681朱某甲汉男9803.182835.223239.0315877.432014／7／5196.93325682马某甲汉男9754.944652.2321289.8135696.982014／7／9692.42335683贾某甲汉男9997.743092.783718.816809.322014／7／9220.23345684宁某甲汉男9995.702359.073665.8216020.592014／7／7200.51355685邱某甲汉女9705.163755.944534.8217995.922014／7／7249.89365686李某甲汉女9734.413778.912945.8516459.172014／7／20211.47375687刘某甲汉男9825.943060.783556.416443.122014／7／18211.07385688杨某甲汉男9930.002640.283786.9516357.232014／7／18208.93395689陈某甲汉男9843.662731.693812.6416387.992014／7／5209.69405690李某汉男9764.003687.563157.3516608.912014／7／18215.22415691辛某甲汉男9824.102919.753443.616187.452014／7／18204.68425692吕某甲汉男9786.833650.575380.4418817.842014／7／20270.44435693李某汉男9788.032844.625818.3418450.992014／7／2261.27445694赵某甲汉女9720.963707.222473.4615901.642014／7／19197.54455695赵某甲汉男9713.933900.143536.7617150.832014／7／13228.77465696孙某甲汉男9800.003833.783986.5417620.322014／7／17240.5475697张某甲汉男9723.902581.214135.4516440.562014／7／11211.01485698侯某甲汉男9739.615024.3112536.1527300.072014／7／13482.5495699张某甲汉女9946.702876.653058.215881.552014／7／15197.03505700闫某甲汉男9923.253461.693721.1917106.132014／7／13227.65515701张某甲汉男9949.202713.07322115883.272014／7／16197.08525702王某甲汉男9757.493514.093146.6916418.272014／7／20210.45535703张某甲汉男9920.443068.193485.0916473.722014／7／9211.84545704张某汉男9761.033501.073233.4816495.582014／7／15212.38555705吴某甲汉男9718.433136.683041.0115896.122014／7／16197.4565706聂某甲汉男9767.013273.677233.6120274.292014／7／10306.85575707田某甲汉男9710.445664.048727.1624101.642014／7／8402.54585708李某汉男9804.712517.133356.5115678.352014／7／20191.95595709廖某甲汉男9796.295235.8113057.6228089.722014／7／9502.24605710田某甲汉男9700.704331.629903.5523935.872014／7／7398.39615711汪某甲汉男9723.342761.885210.7417695.962014／7／4242.39625735李某甲汉男9739.713409.723176.3416325.772014／7／6208.14635737王某甲汉男9769.306047.145133.520949.942014／7／2323.74645738陈某汉男9761.252816.823434.0516012.122014／7／14200.3655739王某甲汉男9814.444011.996544.3120370.742014／7／3309.26665740李某汉男9736.914463.54973.4619173.872014／7／8279.34675741易某甲汉女9741.452604.813418.6315764.892014／7／5194.12685742韩某汉男9778.044800.0522065.3736643.462014／7／10716.08695743戚某甲汉男9719.672878.653192.6815791.002014／7／6194.77705744熊某汉女9780.813721.922368.3615871.092014／7／4196.77715745方某甲汉男9954.512854.033499.0316307.572014／7／10207.68725746朱某汉女9705.957176.2921447.7338329.972014／7／4758.24735747阮某汉男9846.342492.63469.7815808.722014／7／5195.21745748赵某甲汉男9751.304949.0124386.6839086.992014／7／1777.17755749姚某甲汉男9780.503640.432672.7416093.672014／7／7202.34765750严某甲汉男9804.303067.863500.8416373.002014／7／9209.32775751梁某汉男9704.563025.543159.7415889.842014／7／19197.24785752刘某汉男9792.683149.313223.7616165.752014／7／11204.14795753陈某甲汉男9855.184016.382913.1316784.692014／7／1219.61805754林某甲汉男9776.242929.192968.215673.632014／7／19191.84815755郑某汉男9786.024450.89446.5423683.362014／7／10392.08825756史某甲汉男9820.413062.082702.3915584.882014／7／9189.62835757王某甲汉男9992.052587.963272.115852.112014／7／6196.3845758张某甲汉男9748.474777.614498.7819024.862014／7／5275.62855759袁某甲汉男9724.575296.2427329.4842350.292014／7／16858.75865760江某甲土家男9759.438092.0918035.2135886.732014／7／20697.16875761马某甲汉男9718.863789.425479.0418987.322014／7／1274.68885762梁某汉女9756.514210.779531.123498.382014／7／1387.45895763周某汉女9790.002928.043612.0816330.122014／7／13208.14905764凌某汉男9797.883267.873035.7616101.512014／7／8202.53915766陈某汉男9779.213056.275500.618336.082014／7／10258.4925767贾某汉男9764.952593.563857.1916215.702014／7／5205.39935768唐某甲汉男9819.563269.243258.3416347.142014／7／20208.67945769彭某汉男9738.804698.2211438.2825875.302014／7／7446.88955770吴某甲汉男9743.112981.923194.5815919.612014／7／5197.99965771黄某甲汉男9792.932866.283224.9415884.152014／7／14197.1975773刘某甲汉男9801.505151.0625646.0840598.642014／7／1814.96985774杨某甲汉男9766.704565.9719808.3834141.052014／7／5653.52995775蒋某汉男9786.994233.23199.6417219.832014／7／6230.491005776彭某甲汉男9810.073070.863400.1916281.122014／7／12207.021015777汤某汉男9862.432771.613207.915841.942014／7／6196.041025778张某汉男9915.845320.585850.5921087.012014／7／15327.171035779陈某汉男9784.564616.486647.9821049.022014／7／3326.221045780李某甲汉男9705.543248.393238.0916192.022014／7／16204.81055781熊某汉女9855.262669.843489.6916014.792014／7／8200.361065782龚某甲汉男9720.092932.133264.1615916.382014／7／20197.91075783梁某甲汉男9968.322810.063519.316297.682014／7／17207.441085784李某汉男9781.514414.646410.7720606.922014／7／3315.171095785王某甲汉男9741.643146.874788.7717677.282014／7／3241.931105786禤某甲汉男9756.225553.5214590.5129900.252014／7／4547.51115787李某甲汉男9726.754510.5111589.0625826.322014／7／7445.651125788陈某甲汉男9741.824378.335607.8419727.992014／7／6293.191135789陈某甲汉男9743.663889.615527.6919160.962014／7／7279.021145790严某甲汉男9718.724330.026252.2120300.952014／7／9307.521155791温某甲汉男9753.904256.819247.7623258.472014／7／2381.461165792何某甲汉女9780.553236.73242.1616259.412014／7／12206.481175793邱某甲汉男9797.655463.434513.4819774.562014／7／9294.361185794梁某甲汉女9723.005974.1416684.0832381.222014／7／16609.53判决书附表2：单位（人民币）：元序号案号被告本金利息滞纳金等其他费用合计截止日期诉讼费15649宋某9783.313323.53375.0916481.902014／7／16212.0425650方某9782.466146.634101.2720030.362014／7／16300.7535651兰某甲9800.015718.3215534.3931052.722014／7／3576.3145652刘某甲9765.435301.654995.0920062.172014／7／3301.5555653辛某9422.373618.645188.6918229.702015／1／14263.2465654毕某甲9788.054407.896487.8720683.812014／7／5317.0975655臧某9744.653966.52553419245.172014／7／3281.1285656鹿某甲9759.344971.484948.4819679.302014／7／8291.9895657潘某甲9774.723712.423938.5717425.712014／7／6235.64105658张某甲9737.785174.1112586.8727498.762014／7／1487.46115659任某甲9752.072923.123349.3116024.502014／7／20200.61125660陈某甲9943.742890.832765.9815600.552014／7／13190.01135661房某甲9918.723033.983402.4616355.162014／7／14208.87145662逄某9933.212728.033614.8516276.092014／7／3206.9155663韩某9821.933521.162499.0715842.162014／7／8196.05165665刘某9794.314252.035105.1319151.472014／7／2278.78175666吴某甲9808.442913.193580.0616301.692014／7／13207.54185667李某甲9274.102641.133468.1815383.412015／1／16200.83195668孙某甲9780.744740.96174.3920696.032014／7／2317.4205669邹某9992.062500.263410.8815903.202014／7／8197.58215670姜某甲9793.972677.893485.815957.662014／7／4198.94225671沈某甲9978.802858.713478.7416316.252014／7／3207.9235672陈某9821.032943.843672.2916437.162014／7／11210.92245673张某甲9734.642917.973054.415707.012014／7／10192.67255674程某甲9809.073381.232645.5615835.862014／7／13195.89265675贾某甲9701.274606.287857.7922165.342014／7／9354.13275676刘某9704.985136.65281.1520122.732014／7／16303.06285677尚某甲9745.204295.286533.520573.982014／7／20314.34295679梁某甲9757.464475.426993.9221226.802014／7／13330.67305680尹某甲9701.823501.423098.5716301.812014／7／4207.54315681朱某甲9803.182835.223239.0315877.432014／7／5196.93325682马某甲9754.944652.2321289.8135696.982014／7／9692.42335683贾某甲9997.743092.783718.816809.322014／7／9220.23345684宁某甲9995.702359.073665.8216020.592014／7／7200.51355685邱某甲9705.163755.944534.8217995.922014／7／7249.89365686李某甲9734.413778.912945.8516459.172014／7／20211.47375687刘某甲9825.943060.783556.416443.122014／7／18211.07385688杨某甲9930.002640.283786.9516357.232014／7／18208.93395689陈某甲9843.662731.693812.6416387.992014／7／5209.69405690李某9764.003687.563157.3516608.912014／7／18215.22415691辛某甲9824.102919.753443.616187.452014／7／18204.68425692吕某甲9786.833650.575380.4418817.842014／7／20270.44435693李某9788.032844.625818.3418450.992014／7／2261.27445694赵某甲9720.963707.222473.4615901.642014／7／19197.54455695赵某甲9713.933900.143536.7617150.832014／7／13228.77465696孙某甲9800.003833.783986.5417620.322014／7／17240.5475697张某甲9723.902581.214135.4516440.562014／7／11211.01485698侯某甲9739.615024.3112536.1527300.072014／7／13482.5495699张某甲9946.702876.653058.215881.552014／7／15197.03505700闫某甲9923.253461.693721.1917106.132014／7／13227.65515701张某甲9949.202713.07322115883.272014／7／16197.08525702王某甲9757.493514.093146.6916418.272014／7／20210.45535703张某甲9920.443068.193485.0916473.722014／7／9211.84545704张某9761.033501.073233.4816495.582014／7／15212.38555705吴某甲9718.433136.683041.0115896.122014／7／16197.4565706聂某甲9767.013273.677233.6120274.292014／7／10306.85575707田某甲9710.445664.048727.1624101.642014／7／8402.54585708李某9804.712517.133356.5115678.352014／7／20191.95595709廖某甲9796.295235.8113057.6228089.722014／7／9502.24605710田某甲6700.704331.629903.5520935.872014／11／18398.39615711汪某甲9723.342761.885210.7417695.962014／7／4242.39625735李某甲9739.713409.723176.3416325.772014／7／6208.14635737王某甲9769.306047.145133.520949.942014／7／2323.74645738陈某9761.252816.823434.0516012.122014／7／14200.3655739王某甲9814.444011.996544.3120370.742014／7／3309.26665740李某9736.914463.54973.4619173.872014／7／8279.34675741易某甲9741.452604.813418.6315764.892014／7／5194.12685742韩某9778.044800.0522065.3736643.462014／7／10716.08695743戚某甲9719.672878.653192.6815791.002014／7／6194.77705744熊某9780.813721.922368.3615871.092014／7／4196.77715745方某甲9954.512854.033499.0316307.572014／7／10207.68725746朱某9705.957176.2921447.7338329.972014／7／4758.24735747阮某9846.342492.63469.7815808.722014／7／5195.21745748赵某甲9751.304949.0124386.6839086.992014／7／1777.17755749姚某甲6686.833640.432672.7413000.002015／7／8202.34765750严某甲9804.303067.863500.8416373.002014／7／9209.32775751梁某7704.563025.543159.7413889.842014／9／1197.24785752刘某9792.683149.313223.7616165.752014／7／11204.14795753陈某甲9855.184016.382913.1316784.692014／7／1219.61805754林某甲9776.242929.192968.215673.632014／7／19191.84815755郑某9786.024450.89446.5423683.362014／7／10392.08825756史某甲9820.413062.082702.3915584.882014／7／9189.62835757王某甲9992.052587.963272.115852.112014／7／6196.3845758张某甲9748.474777.614498.7819024.862014／7／5275.62855759袁某甲9724.575296.2427329.4842350.292014／7／16858.75865760江某甲9759.438092.0918035.2135886.732014／7／20697.16875761马某甲9718.863789.425479.0418987.322014／7／1274.68885762梁某9756.514210.779531.123498.382014／7／1387.45895763周某9790.002928.043612.0816330.122014／7／13208.14905764凌某9797.883267.873035.7616101.512014／7／8202.53915766陈某9779.213056.275500.618336.082014／7／10258.4925767贾某9764.952593.563857.1916215.702014／7／5205.39935768唐某甲9819.563269.243258.3416347.142014／7／20208.67945769彭某9738.804698.2211438.2825875.302014／7／7446.88955770吴某甲9743.112981.923194.5815919.612014／7／5197.99965771黄某甲8792.932866.283224.9414884.152015／4／9197.1975773刘某甲9801.505151.0625646.0840598.642014／7／1814.96985774杨某甲9766.704565.9719808.3834141.052014／7／5653.52995775蒋某9786.994233.23199.6417219.832014／7／6230.491005776彭某甲9810.073070.863400.1916281.122014／7／12207.021015777汤某9862.432771.613207.915841.942014／7／6196.041025778张某9915.845320.585850.5921087.012014／7／15327.171035779陈某9784.564616.486647.9821049.022014／7／3326.221045780李某甲9705.543248.393238.0916192.022014／7／16204.81055781熊某9855.262669.843489.6916014.792014／7／8200.361065782龚某甲9720.092932.133264.1615916.382014／7／20197.91075783梁某甲9968.322810.063519.316297.682014／7／17207.441085784李某9781.514414.646410.7720606.922014／7／3315.171095785王某甲9741.643146.874788.7717677.282014／7／3241.931105786禤某甲9756.225553.5214590.5129900.252014／7／4547.51115787李某甲9726.754510.5111589.0625826.322014／7／7445.651125788陈某甲9741.824378.335607.8419727.992014／7／6293.191135789陈某甲9743.663889.615527.6919160.962014／7／7279.021145790严某甲6718.724330.026252.2117300.952015／6／1307.521155791温某甲9753.904256.819247.7623258.472014／7／2381.461165792何某甲9780.553236.73242.1616259.412014／7／12206.481175793邱某甲9797.655463.434513.4819774.562014／7／9294.361185794梁某甲9723.005974.1416684.0832381.222014／7／16609.53备注：利息收费标准为日息万分之五，按月计收复利，最低收费为人民币1元或美元1元或港币1元；滞纳金收费标准为每期最低还款额未还部分的5%，最低收费为人民币30元或美元3元或港币30元