The court ruled that Zhang Shufa repaid the overdraft principal of Bank of Communications Pacific Credit Card Center Jinan Branch of RMB 33,893.03 and the interest and expenses, but the sum of interest and expenses shall not exceed 24% of the annualized interest rate.
In this regard, Yang Chunxia believes that "the interest amount of Bank of Communications Pacific Credit Card is too high, and the amount charged is unreasonable and should be reduced." According to the court's judgment, Yang Chunxia repaid the principal of Bank of Communications credit card of 28,493.5438+0 yuan, interest and expenses, but the sum of the above arrears of interest and expenses shall not exceed 24% of the annualized interest rate.
The file shows that the fees owed by the above-mentioned Bank of Communications credit card include late fees, liquidated damages, installment fees, withdrawal fees and value-added service fees. At present, late fees and liquidated damages have been ruled by the court as no basis for collection. According to several civil judgments issued by Jinan Central District People's Court, the Notice of China People's Bank on Credit Card Business, which came into effect on 20 17 1, stipulates: "Cancel the late payment fee for credit cards. For the cardholder's default or overdue repayment, the card issuer shall agree with the cardholder through agreement whether to collect liquidated damages, as well as the relevant collection methods and standards. " However, during the trial of many cases, Shandong Branch of Bank of Communications failed to submit evidence to the court to prove that the bank and the cardholder agreed to collect liquidated damages after 20 17 1. Therefore, the court rejected the claim of Shandong Branch of Bank of Communications to collect late fees and liquidated damages for credit cards.
Audit: Wang Jingjing
Related Q&A: How much is the annual credit card fee of Bank of Communications? The annual fee of Bank of Communications credit card is free in the first year, and it is free in the following year after being swiped for 6 times.
The annual fee of Bank of Communications is charged after use. As long as you brush enough 6 strokes, the annual fee is free and the amount is unlimited.
The annual fee of Bank of Communications credit card is as follows:
Dual currency credit card:
Platinum: the main card 1000 yuan, and the auxiliary card 0 yuan.
Gold card: the main card is 200 yuan, and the supplementary card 100 yuan.
Ordinary cards: main card 140 yuan, and auxiliary card 70 yuan.
Rmb credit card:
Platinum: 65,438 yuan+0,000 yuan for the main card (3,000 yuan for the private bank platinum card) and 0 yuan for the auxiliary card.
Gold card: main card 120 yuan, and auxiliary card 60 yuan.
Ordinary cards: main card 80 yuan, supplementary card 40 yuan.
Extended data
Expenses and interest
1. Failure to repay in full according to the bill does not enjoy the interest-free period.
Interest shall be calculated in full at the specified interest rate from the transaction bookkeeping date, and compound interest shall be calculated monthly.
If the customer's repayment amount is lower than the minimum repayment amount, in addition to not enjoying the interest-free period, there will be liquidated damages.
2. If you can't repay on time, you won't enjoy the interest-free period.
Interest shall be calculated in full at the specified interest rate from the transaction bookkeeping date, and compound interest shall be calculated monthly.
3. There is no interest-free period for overdraft withdrawal.
Interest will be calculated from the bookkeeping date and compound interest will be calculated on a monthly basis, and there will also be a withdrawal fee.