近几年来,我国贷记卡发卡量迅猛增长,但有关服务纠纷亦越来越多。其中,持卡人对商业银行计收复利的范围及计算方法容易产生异议,人民法院审理此类纠纷案件也有不同认识。复利纠纷中是近年来出现的一种比较新型的贷记卡纠纷,其争议焦点主要集中在贷记卡发生透支后产生的透支利息、滞纳金和超限费等是否转入透支本金计收复利。 In recent years, the credit card issuance in our country has grown rapidly, but more and more service disputes have arisen. Among them, cardholders are likely to have objections to the scope and method of calculation of compound interest charged by commercial banks. People’s courts also have different opinions on handling such disputes. In the dispute over compound interest, a relatively new type of credit card dispute emerged in recent years. The focus of the dispute is mainly on the overdraft interest incurred after the overdraft of the credit card, whether overdraft fees and overrun fees are transferred to the overdraft principal .