海南省东方市人民法院
p t ; ” > 民 事 判 决 书
（2017）琼9007民初2310号
原告：中国农业银行股份有限公司东方市支行。住所地：海南省东方市八所镇东海路**号。
负责人：林华瑜，该支行行长。
委托代理人：陈斌，该支行职员。
被告：吉初良，女，1967年6月16日出生，汉族，海南省东方市人，东方市环境卫生管理局职工，现住海南省东方市。
原告中国农业银行股份有限公司东方市支行与被告吉初良信用卡纠纷一案，本院于2017年9月29日立案受理后，依法由审判员覃卫东适用简易程序公开开庭进行了审理。原告中国农业银行股份有限公司东方市支行委托代理人陈斌到庭参加诉讼。被告吉初良经本院合法传票传唤，无正当理由未到庭参加诉讼。本案现已审理终结。
原告中国农业银行股份有限公司东方市支行向本院提出诉讼请求：判令被告支付拖欠原告金穗贷记卡透支本金19922元、利息及逾期还款违约金3757.92元（暂计至2017年9月3日），以及自2017年9月4日起至实际履行还款之日止按中国农业银行金穗贷记卡领用合约规定的利息、逾期还款违约金。
事实和理由：2016年5月23日，被告吉初良向原告中国农业银行股份有限公司东方市支行申办一张金穗贷记卡，卡号为×××。被告领卡后使用消费期间，未履行还款约定，截止2017年9月3日尚欠贷记卡本金19922元、利息及逾期还款违约金3757.92元，经原告多次电话、信函、上门催收等方式，被告仍未还款。为了保护原告的合法权益，故向法院起诉。
被告未作答辩。
当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了证据交换和质证。对当事人无异议的事实，本院予以确认并在卷佐证。
本院经审理认定事实如下：2016年5月23日，被告吉初良向原告中国农业银行股份有限公司东方市支行申办一张金穗贷记卡，��号为×××。被告领卡后使用消费期间，未履行还款约定，截止2017年9月3日尚欠贷记卡本金19922元、利息2608.48元、逾期还款违约金3757.92元。信用卡逾期后，原告多次电话、信函、上门催收等方式，被告仍未还款。
本院认为，被告吉初良利用申领的中国农业银行金穗贷记卡（卡号为×××）进行透支，尚欠透支本金19922元，事实清楚，应按约定履行还款义务。原告提出要求被告吉初良归还透支本金人民币19922元并支付利息、逾期还款违约金的诉讼请求，于法有据，本院予以支持。被告经本院合法传票传唤，无正当理由未到庭参加诉讼，视为其自动放弃诉讼权利。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》第一百四十四条之规定，判决如下：
被告吉初良于本判决生效之日起十日内偿还原告中国农业银行股份有限公司东方市支行信用卡透支本金人民币19922元，并支付利息、逾期还款违约金（截止2017年9月3日利息及逾期违约金合计人民币23679.92元；自2017年9月4日起按中国农业银行金穗贷记卡领用合约规定的标准计算至清偿之日）。
案件受理费196元（原告已预交，已减半收取），由被告吉初良负担。
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，并按对方当事人或者代表人人数提出副本，上诉于海南省第二中级人民法院。
审判员覃卫东
二○一七年十一月十日
书记员刘丹
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