信用卡超限费的认定

发布时间：2018-01-20 05:42

本文关键词： 信用卡超限费发卡银行广发银行卡人信用额度裁判要旨上诉人信用卡客户信用卡透支月娇 　出处：《人民司法(案例)》2016年17期 　论文类型：期刊论文

【摘要】：正【裁判要旨】信用卡超限费是发卡银行对持卡人透支行为超过信用额度而计收的费用。发卡银行将透支利息、滞纳金等透支费用计入透支额度作为计算超限费的依据,于法无据。□案号一审:(2013)穗越法民二初字第3342号二审:(2014)穗中法金民终字第378号【案情】原告:广发银行股份有限公司。被告:叶月娇。原告广发银行股份有限公司起诉认为:被告叶月娇在原告处申领信用卡,在使用该卡过程中严重透支,
[Abstract]:Credit card excess charge is charged by the issuing bank for overdrawing the cardholder in excess of the credit limit. The issuing bank will charge interest on the overdraft. The overdraft fee such as late fee is included in the overdraft amount as the basis for calculating the over-limit fee. No evidence in the first instance:: 2013) Fahmin, Suiyue, second instance No. 3342, second instance No. 3342, trial No. 3342, second instance, No. 3342. Case No. 378 [case] plaintiff: Guangfa Bank Co., Ltd. Defendant: Ye Yuejiao. Plaintiff Guangfa Bank Co., Ltd. sued that: defendant Ye Yueliao applied for credit card in plaintiff's place. During the course of using the card,
【作者单位】：广东省广州市越秀区人民法院;广东省广州市花都区人民法院;
【分类号】：D920.5;D922.281
【正文快照】： 【裁判要旨】信用卡超限费是发卡银行对持卡人透支行为超过信用额度而计收的费用。发卡银行将透支利息、滞纳金等透支费用计入透支额度作为计算超限费的依据,于法无据。□案号一审:(2013)穗越法民二初字第3342号二审:(2014)穗中法金民终字第378号已阅读、理解和接受客户协议的

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