客户违约,银行宣布分期还款合同提前到期,却还要求支付剩下的分期手续费,法院会支持吗?

原标题:速看!客户违约,银行宣布分期还款合同提前到期,却还要求支付剩下的分期手续费,法院会支持吗?

使用信用卡分期还款业务,是不少人选择的支付方式。很多银行推出的分期还款业务都含有分期手续费,分期手续费往往均摊到每期还款。如果因为信用卡持卡人逾期还款等原因造成违约,银行在追讨本金、利息等款项时,是否可要求持卡人支付剩余期数的分期手续费?近日,珠海中院审理了这样一起案件,认定持卡人没有享受分期利益,无需支付分期手续费。

图片来源:摄图网-500113751

案件详情

2019年,张某向某银行珠海分行申请办理信用卡装修分期业务,并与银行签署相关分期业务协议。双方约定,张某用该信用卡透支的消费金额分60期还款,每期还款金额包含本金、利息及分期手续费。合同生效后,张某用该信用卡消费18万元,按合同约定归还了9期款项。从第10期开始,张某未按时还款,产生了违约金和利息。在还完第12期分期款后,张某不再向银行还款。

银行催缴款项未果,向法院提起诉讼,要求张某返还透支消费的本金144841.9元、利息7107.73元、违约金1896.45元及分期手续费26320.85元,合计180166.93元。

法院判决

一审法院审理后认为,双方就办理信用卡装修分期业务签订的协议符合法律规定,银行已为张某提供了消费透支金额,张某应按照合同约定向银行还款。张某透支信用卡后没有按约还款,其行为已构成违约,应承担相应的违约责任。一审法院判决支持银行的诉讼请求,张某需向银行支付透支的本金144841.9元、利息7107.73元、违约金1896.45元及分期手续费26320.85元,合计180166.93元。

张某不服一审判决,向珠海中院提出上诉,请求改判驳回分期手续费等。

张某称,银行主张信用卡分期手续费26320.85元既没有事实依据,也没有法律依据,已经支付的7128元应当从本金中扣除。

银行辩称,依据合同约定,信用卡透支消费分期期数60期,手续费率0.3300%/期,张某本人已经签名确认,且在分期业务办理后,张某也依照该约定归还了9期,没有异议。因此,分期手续费的收取是符合约定、有事实和合同依据的。

图片来源:摄图网-501156230

二审法院审理后认为,双方争议焦点主要在于张某应否支付分期手续费。根据双方签订的协议,在银行分期收取张某还款的情形下,该分期手续费不仅体现双方的合意,亦是该业务模式所决定,应予支持。张某主张其完全不应支付手续费,不能成立。

但是,由于分期手续费属于张某对分期付款所支付的对价,在银行宣布涉案信用卡贷款提前到期,张某需提前归还全部欠款的情形下,张某已经不存在可分期支付后续款项的事实,对于银行请求张某支付尚未发生的分期手续费,缺乏事实和法律依据,法院不予支持。

二审法院改判张某无需支付未到期分期款项的分期手续费,维持一审其他判项。

根据《最高人民法院关于审理银行卡民事纠纷案件若干问题的规定》第二条第二款规定,发卡行请求持卡人按照信用卡合同的约定给付透支利息、复利、违约金等,或者给付分期付款手续费、利息、违约金等,持卡人以发卡行主张的总额过高为由请求予以适当减少的,人民法院应当综合考虑国家有关金融监管规定、未还款的数额及期限、当事人过错程度、发卡行的实际损失等因素,根据公平原则和诚信原则予以衡量,并作出裁决。

涉案合同明确约定银行针对客户分期还款按月收取分期手续费。因客户违约,银行宣布合同提前到期。在此种情形下,因不存在客户后期支付分期手续费的事实,如若继续支持未发生的分期手续费虽有合同依据却有违公平。因此,法院对于涉案合同被银行宣布到期后分期手续费不予支持。在该类案件的审理中,法官应注重发挥司法智慧,透过现象看本质,以公平原则和诚实信用原则为基础,力求实现违约责任认定的实质平等,实现法律效果与社会效果的统一。

每日经济新闻综合自珠海中院

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