广东省深圳市福田区人民法院 民 事 判 决 书 （2020）粤0304民初10312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**荣超商务中心**05整层.06整层.11至14整层.23至26整层.**整层，统一社会信用代码914403004557663795。 负责人：王业。 委托诉讼代理人：邓人武，广东太上律师事务所律师。 委托诉讼代理人：易长翱，广东太上律师事务所律师。 被告刘荣华等人（被告信息详见附表）。 原告中国建设银行股份有限公司深圳市分行诉被告刘荣华等人信用卡纠纷139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邓人武到庭参加诉讼，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、滞纳金及违约金等费用（本金、利息、分期手续费、滞纳金及违约金等费用数额详见附表，利息及滞纳金、违约金等费用暂计截止日详见附表，此后利息按领用协议规定继续计至清偿之日止）并分别承担各案全部诉讼费用。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。 各案被告未作答辩，亦未提交证据材料。 经审理查明，案涉信用卡领用协议规定：各卡种年费（详见中国建设银行信用卡收费项目及标准）；境内取现手续费为取现金额的0.5%，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。 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。 本系列案涉分期手续费包括：账单分期手续费、现金分期手续费、专项分期手续费，其中专项分期手续费又包括购车分期手续费、装修分期手续费及分期通手续费（详见附表），各被告亦签署了相应专项分期付款申请表，分别明确约定了分期期数和手续费率。 本院认为，各被告向原告申领信用卡，原告经审核同意向各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，案涉信用卡领用合约对双方具有法律约束效力。各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、滞纳金及违约金等合约规定的费用。案涉违约金约定过高，本院酌情将违约金的计算标准调整为日万分之一点七五，对原告超出部分的诉讼请求，本院不予支持。原告主张的现金分期手续费、账单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。 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、被告刘荣华等人应在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信用卡欠款本金、利息、滞纳金、违约金及专项分期手续费等费用（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、驳回原告中国建设银行股份有限公司深圳市分行的其他诉讼请求。 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。各案被告负担的案件受理费部分由本院退还原告。 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。 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 周  伟  斌 二〇二〇年六月十七日 书 记 员 张丁文（兼） 下续附表： 附件二：单位：元 序号案号被告本金利息滞纳金违约金违约金开始收取时间违约金停止收取时间专项分期手续费（购车、装修及分期通）年费、取现手续费增值服务费等费用截至日期受理费原告负担被告负担 110251刘荣华24858.003805.150.00*2018/9/272019/1/270.000.002019/7/31627.4124.18603.23 210252王阳阳49580.395469.700.00*2018/9/32019/2/25760.000.002019/7/311386.7769.711317.06 310253郭远东50000.034713.570.00*2018/11/42019/3/44800.000.002019/7/311336.5240.101296.42 410254郭远东31111.162948.380.00*2018/11/42019/3/43696.00160.002019/7/31781.4123.44757.97 510255杨胜开14163.7115269.250.00*2018/5/92018/11/912320.000.002020/6/81165.1334.951130.18 610256马晓璇66445.4924892.730.00*2018/8/152018/12/150.000.002020/6/82012.5760.381952.19 710257张家波29162.4013381.720.00*2018/2/62018/6/64200.000.002020/6/8828.3924.85803.54 810259温夏婷72891.4911892.670.00*2018/9/182019/1/180.000.002019/7/312220.70146.912073.79 910260刘桂平33583.354186.610.00*2018/9/42019/1/44746.000.002019/7/31879.0426.37852.67 1010262李康87633.7015336.330.00*2018/6/42018/10/420680.000.002019/7/312791.6183.752707.86 1110263李康47303.9118093.570.00*2018/6/42018/10/40.000.002020/6/81247.2537.421209.83 1210264刘基25352.798410.070.00*2018/11/22019/3/47680.000.002020/6/8880.5226.42854.10 1310265刘基34226.5916018.910.00*2018/8/12018/12/20.000.002020/6/81187.0978.961108.13 1410266杨妮134790.6352514.550.00*2018/4/132018/9/1334200.000.002020/6/84227.34126.824100.52 1510267杨妮33377.126697.480.00*2018/5/132018/9/130.000.002019/7/31935.1895.39839.79 1610268安隽婷116105.9844621.030.00*2018/5/282018/9/2812672.000.002020/6/83415.79127.543288.25 1710269李中华28471.993337.770.00*2018/8/152019/1/156528.000.002019/7/31766.9023.01743.89 1810270王晓兰78821.4416148.800.00*2018/5/272018/9/271002.430.002019/7/312386.77100.502286.27 1910271阙艳204808.8528070.110.00*2018/8/92018/12/948280.000.002019/7/315550.44166.515383.93 2010272阙艳98573.3814162.130.00*2018/8/92018/12/90.000.002019/7/312704.16156.572547.59 2110273刘耀69053.3621574.180.00*2018/8/52019/1/516640.000.002020/6/82184.6165.542119.07 2210274刘耀31054.6410643.940.00*2018/8/52018/12/50.000.002020/6/8732.8221.98710.84 2310275宋洪基24166.692195.930.00*2018/10/52019/3/53403.000.002019/7/31556.5816.70539.88 2410276王德材69572.579739.420.00*2018/5/112018/12/118720.000.002019/7/312048.6061.461987.14 2510277童颖62206.3121334.680.00*2018/7/252018/11/257903.660.002020/6/81818.7954.561764.23 2610278邱攀0.005998.290.0002018/11/72019/3/70.000.002020/6/8987.430.00987.43 2710279唐素英60437.9821673.680.00*2018/6/182018/11/186800.000.002020/6/81793.2453.801739.44 2810280蒋先能56032.897818.480.00*2018/8/112018/12/117560.000.002019/7/311626.9552.481574.47 2910281刘永青603**.256606.480.00*2018/10/252019/2/256000.000.002019/7/311789.19115.531673.66 3010282刘永青749**.987242.950.00*2018/10/252019/2/2510734.820.002019/7/312166.5064.992101.51 3110283刘秀峰32011.769816.110.00*2018/10/182019/2/183024.000.002020/6/8827.4124.82802.59 3210284饶俊芳111062.9849828.810.00*2018/3/132018/7/1313025.440.002020/6/83426.48102.793323.69 3310285温意兵27744.512504.960.00*2018/11/42019/3/46781.150.002019/7/31734.5522.04712.51 3410286梁兴高23400.001741.700.00*2018/9/42019/4/45616.000.002019/7/30576.4517.29559.16 3510287梁兴高23044.922347.000.00*2018/9/42019/3/40.000.002019/7/30505.5532.88472.67 3610288程良红28146.099659.940.00*2018/11/142019/4/149400.000.002020/6/81160.5634.821125.74 3710289程良红15304.005758.790.00*2018/11/142019/3/140.000.002020/6/8497.1429.36467.78 3810290汤小宏127450.428586.860.00*2018/12/172019/4/1720183.460.002019/7/303465.28103.963361.32 3910291胡雪松28091.147219.040.00*2018/12/52019/4/54044.910.002020/6/8672.6320.18652.45 4010292兰奔73259.375999.970.00*2018/11/252019/3/2512282.900.002019/7/302201.25119.342081.91 4110293李凯23799.971778.660.00*2018/12/22019/4/25699.820.002019/7/30589.5917.69571.90 4210294邵坤49989.2613979.430.00*2018/11/252019/3/254602.000.002020/6/81380.2641.411338.85 4310295王磊33849.747671.000.00*2019/4/192019/8/190.000.002020/6/8903.5227.11876.41 4410296胡军28501.555474.390.00*2018/6/192018/10/192968.470.002019/7/30789.6423.69765.95 4510297林文雁61100.0016043.860.00*2018/11/282019/3/2814780.540.002020/6/81872.5856.181816.40 4610298范才其45431.1415407.480.00*2018/9/252019/1/254467.000.002020/6/81365.6442.421323.22 4710299陈敬生153649.8920718.150.00*2018/9/42019/1/4600.000.002019/7/304105.35230.023875.33 4810300郭荣日110253.0935518.380.00*2018/10/22019/2/29678.220.002020/6/83205.24128.453076.79 4910301薛伟麟88279.3127453.960.00*2018/5/72019/1/721200.000.002020/6/82733.4582.002651.45 5010302林彩珠31663.609900.430.00*2018/8/162019/1/164225.980.002020/6/8829.4424.88804.56 5110303卢义光112139.9945050.130.00*2018/9/42019/1/415120.000.002020/6/83556.54136.273420.27 5210304王信丰生41749.339390.880.00*2018/4/42018/8/40.000.002019/8/21137.6834.131103.55 5310306王彩珍20716.248855.880.00*2017/6/52017/12/50.000.002019/8/2630.6018.92611.68 5410307聂连李22952.768821.150.00*2017/2/42018/2/4214.500.002019/8/2649.1419.47629.67 5510308肖韩29931.9413570.800.00*2017/7/42017/11/40.000.002019/8/2972.1358.52913.61 5610309黄燕27439.6610115.320.00*2017/1/12018/4/40.000.002019/8/2787.3023.62763.68 5710310雷光清41486.3925924.521272.75*2017/1/12017/1/110.0010.002019/8/21552.9758.871494.10 5810311黄梦群21311.548674.400.00*2017/12/182018/10/180.000.002020/6/8503.5815.11488.47 5910312丁涛96463.2339895.700.00*2017/5/42017/10/410018.800.002019/8/23275.1398.253176.88 6010313杨进跃23625.9714106.140.00*2017/4/252018/5/252170.000.002020/6/8808.1924.25783.94 6110314曾庆非38589.7013846.060.00*2017/3/22018/4/20.000.002019/8/21305.1839.161266.02 6210316胡田96782.6658408.770.00*2017/8/42017/12/40.000.002020/6/82997.6089.932907.67 6310317魏海涛43844.409202.280.00*2018/4/192018/8/190.000.002019/8/21163.2234.901128.32 6410319雷明来147500.009968.500.00*2018/12/302019/4/3027422.790.002019/8/144029.36120.883908.48 6510320张立超116999.9075889.962475.04*2017/1/12017/2/40.003.002019/8/144439.89249.424190.47 6610321温远滔54143.1112094.070.00*2018/4/42018/8/45016.000.002019/8/141610.6348.321562.31 6710322周成琴52872.1512770.640.00*2018/3/42018/8/40.000.002019/8/141537.4246.121491.30 6810323李东远51588.9422468.700.00*2018/2/42018/8/40.000.002020/6/81488.1944.651443.54 6910324何文凯0.00258911.4732175.440//0.000.002019/8/145918.96323.775595.187 7010325张文宝48986.015510.700.00*2018/9/112019/3/110.000.002019/8/141364.96137.331227.63 7110326张庆锋42512.9610909.490.00*2018/7/52019/4/50.000.002020/6/8974.8229.24945.58 7210327戴修焱36201.5818225.680.00*2017/2/152017/6/150.000.002019/8/161181.3535.441145.91 7310328陈贤松19980.746432.350.00*2018/2/42018/6/40.000.002019/8/16548.9316.47532.46 7410329孟庆方21615.0810108.990.00*2017/12/42018/6/40.000.002020/6/8627.4118.82608.59 7510330黄青松13275.708295.260.00*2018/6/72018/10/70.000.002020/6/8500.3231.43468.89 7610331李政27941.5711484.220.00*2017/7/272017/11/272131.800.002019/8/16893.0026.79866.21 7710332高能战19422.569334.520.00*2018/2/42018/6/10.000.002020/6/8475.0025.52449.48 7810333王一兵12121.3411632.620.00*2018/2/42018/6/40.0030.002020/6/8721.0021.63699.37 7910334李小军27883.229813.450.00*2017/8/282018/1/280.003.002019/8/16774.4923.23751.26 8010335刘红林32435.2413732.370.00*2017/6/252017/10/250.000.002019/8/161016.0950.67965.42 8110337柳瑜23915.719914.190.00*2018/2/42018/10/40.000.002020/6/8588.4317.65570.78 8210339许刚73429.9831555.320.00*2017/3/182017/10/180.000.002019/8/162486.2874.592411.69 8310340曾健29917.4214851.370.00*2018/3/42018/7/43632.240.002020/6/8973.9539.02934.93 8410341向之冠25603.4213876.910.00*2017/11/172018/4/170.000.002020/6/8741.4024.63716.77 8510342周进36076.486904.170.00*2018/5/252018/9/254283.400.002019/8/16996.2329.89966.34 8610343汪如意30141.926046.500.00*2018/5/42018/10/40.000.002019/8/16752.8822.59730.29 8710344易洋21314.037632.470.00*2017/10/42018/3/40.000.002019/8/16597.3817.92579.46 8810345黄爱明94855.0935887.670.00*2017/7/62017/12/69900.000.002019/8/163138.4694.153044.31 8910346陈成38204.8010564.980.00*2018/1/42018/5/42376.000.002019/8/161102.1933.071069.12 9010347张春林39646.0323985.090.00*2017/3/42017/11/40.000.002019/8/161801.1054.031747.07 9110348张愉25936.4620756.350.00*2017/1/92017/7/90.000.002020/6/8886.5130.23856.28 9210349李胜洋130201.2959594.800.00*2017/4/112017/9/110.000.002019/8/164247.64127.434120.21 9310350黄先诚18175.805490.220.00*2018/2/72018/6/71041.500.002019/8/20483.4714.50468.97 9410351秦宗义25072.907137.100.00*2018/2/42018/6/41336.500.002019/8/20676.8920.31656.58 9510352明杰28360.876736.640.00*2018/6/52018/10/50.000.002019/8/20789.0134.31754.70 9610353涂作胜43702.3813461.080.00*2017/12/42018/4/40.000.002019/8/201269.4838.081231.40 9710354陈小红29776.2313857.010.00*2018/3/72018/7/70.000.002020/6/8855.0561.91793.14 9810355石聪聪42285.0024507.750.00*2017/9/162018/1/160.000.002020/6/81296.7438.901257.84 9910356石霞46666.7012363.410.00*2018/2/42018/6/46700.180.002019/8/201476.9944.311432.68 10010357刘晓盛68566.3740477.230.00*2017/2/72017/6/70.009.002019/8/202709.20101.002608.20 10110358马献中21665.957198.000.00*2017/11/112018/3/110.000.002019/8/20577.5317.33560.20 10210359尹高强33093.068383.380.00*2018/5/42018/9/4660.000.002019/8/20958.1528.74929.41 10310360陈广重14081.0913991.61988.42*2017/1/12017/2/280.00200.002020/6/8534.4223.31511.11 10410361黄涛23972.2619547.860.00*2017/3/42017/10/41612.260.002020/6/8983.0229.49953.53 10510362周鹿芳25473.854793.860.00*2018/5/192018/10/192673.000.002019/8/20661.7919.85641.94 10610363边俊娜10621.5917757.490.00*2017/2/72017/9/70.000.002020/6/8567.2717.02550.25 10710364贺利娜24359.409954.820.00*2017/4/282017/11/280.000.002019/8/20722.3629.32693.04 10810365贾长亮64834.6735759.590.00*2017/1/42017/5/40.0020.002019/8/202378.5294.762283.76 10910366尹文华49849.7010865.980.00*2018/1/192018/8/195040.000.002019/8/201506.2070.791435.41 11010367贺恩来42592.3824128.510.00*2017/10/92018/2/90.00200.002020/6/81368.4183.891284.52 11110368朱达杰31571.0413203.450.00*2017/8/92017/12/90.000.002019/8/201011.8939.14972.75 11210369宋子贵2172**.1216612.820.00*2018/11/252019/4/2529002.690.002019/8/205312.73159.385153.35 11310370宋子贵1578**.0011645.500.00*2018/12/252019/4/2532550.000.002019/8/204356.77130.704226.07 11410371冯晓慧348668.2717969.920.00*2018/10/162019/6/1657689.140.002019/8/207805.74234.177571.57 11510372张琦40879.826385.980.00*2018/10/272019/2/270.000.002019/8/201186.3847.711138.67 11610373宁庆前36401.654840.750.00*2018/8/112019/1/115000.000.002019/8/20977.7429.33948.41 11710374宁超红22967.754218.410.00*2018/9/22019/1/10.000.002019/8/20570.2921.30548.99 11810375李苏琴113387.1724170.270.00*2018/4/282018/8/2817382.990.002019/8/203468.36104.053364.31 11910376夏侯雄华19331.785428.320.00*2018/2/272018/6/27462.000.002019/8/28483.2214.50468.72 12010377王坚41069.0320077.750.00*2018/2/112018/6/110.000.002020/6/81243.9962.861181.13 12110378谢奇志19915.295957.940.00*2018/1/282018/5/280.000.002019/8/28513.3838.84474.54 12210379张勇31897.2816190.610.00*2017/5/42017/9/45155.090.002019/8/281203.8036.111167.69 12310381江金里19800.116905.320.00*2017/12/12018/5/20.0050.002019/8/28560.1116.80543.31 12410382蔡茂庚72184.5931863.510.00*2017/6/42017/11/40.000.002019/8/282414.9472.452342.49 12510383孟令伟68030.0237944.850.00*2017/1/12017/4/270.000.002019/8/282449.1373.472375.66 12610384孟令伟19854.0012595.490.00*2017/1/12017/4/270.000.002019/8/28681.7222.44659.28 12710385许来宝19430.886117.030.00*2018/1/282018/5/28792.000.002019/8/28482.5614.48468.08 12810386武春永48888.9219025.180.00*2017/8/42017/12/45808.000.002019/8/281676.1750.291625.88 12910387曾友平26267.769843.570.00*2017/7/282018/1/280.000.002019/8/28788.6741.07747.60 13010388张素贞17958.9810230.050.00*2018/1/42018/5/40.000.002020/6/8512.9015.39497.51 13110389施例兵42941.3618139.370.00*2017/7/42017/11/40.000.002019/8/281364.0640.921323.14 13210390龚晨39208.6812080.310.00*2017/12/272018/4/270.000.002019/8/281132.0833.961098.12 13310391崔金兰45583.5920072.930.00*2017/7/172017/11/170.000.002019/8/281577.74105.041472.70 13410392王建富24627.715455.250.00*2018/5/272018/9/272722.500.002019/8/28629.7718.89610.88 13510394艾慧37539.153979.430.00*2018/11/42019/3/40.000.002019/8/28889.1326.67862.46 13610395王卓123738.1643122.340.00*2017/7/282018/2/2821600.000.002019/8/284148.86124.474024.39 13710396谢忠轩89255.5817251.120.00*2018/6/142018/10/148800.000.002019/8/302713.05117.332595.72 13810397郑平焱3620.3266320.221567.340//0.000.002019/9/261587.690.001587.69 21.03149.769.440//0.000.00 13910398陈婳234834.80208757.6718087.740//0.000.002019/9/268365.67166.328199.349 备注：利息收费标准为日息万分之五，按月计收复利，计至各被告实际清偿之日止。违约金中标记为*的案件，违约金以欠款本金为基数按日万分之一点七五计收，按表中列明的起止日期计收（表内数值为“0”则不再计算）。