论信用卡逾期还款的违约责任及其限度

发布时间：2018-05-18 12:57

本文选题：信用卡 + 逾期还款　；参考：《法律科学(西北政法大学学报)》2015年05期

【摘要】：依约定,信用卡逾期还款的违约责任包括循环信用利息和滞纳金,其法律性质分别为继续履行和惩罚性违约金。其计收方式有违现行民事法律规范:循环信用利息中,滞纳金计入本金所产生的部分,构成发卡银行之不当得利,应予取消;银行以持卡人逾期还款为由停止其使用信用卡的权利并将其债务视为全部到期,此为约定解除权的行使,此后仅可请求迟延履行的损害赔偿,无权继续计收作为循环信用服务对价的循环信用利息;滞纳金具有数额逐期递增的特性,作为仅具履约担保作用的惩罚性违约金,应类推适用同具"违约罚"性质的定金之法定限额,且于其作用确已无法实现时终止计收。
[Abstract]:According to the agreement, the default liability of credit card overdue repayment includes cyclic credit interest and late payment, the legal nature of which is continuing performance and punitive penalty respectively. The method of calculating and collecting is contrary to the current civil law: in the interest of circulating credit, the overdue fee is included in the part of the principal, which constitutes the improper enrichment of the issuing bank and should be cancelled; The bank discontinues its right to use its credit card on the grounds that the cardholder is late in repayment and considers its debts to be due in full. This is the exercise of the right of agreed rescission. Thereafter, the bank may only claim damages for the delayed performance of the credit card, Have no right to continue to collect the circulating credit interest as the consideration of the circular credit service; the late fee has the characteristic of incrementing the amount period by period, as a punitive liquidated penalty with only the function of guarantee for the performance of the performance, The statutory limit of the penalty for breach of contract shall be applied by analogy, and the collection shall be terminated when its effect is no longer realized.
【作者单位】：山东大学法学院;
【基金】：国家留学基金项目(CSC201406220007)
【分类号】：D923.6;D922.281

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