起诉书（杨某某信用卡诈骗案）_河南省三门峡市湖滨区人民检察院

河南省三门峡市湖滨区人民检察院

起  诉  书

三湖检一部刑诉〔2020〕242号

被告人杨某某，男，1982年**月**日出生，身份证号码：4112021982********，汉族，大学本科毕业，教师，住三门峡市湖滨区**村（户籍所在地：三门峡市湖滨区**路**街坊**号楼**单元**号）。因涉嫌信用卡诈骗于2020年5月26日被三门峡市公安局东城分局监视居住。

本案由三门峡市公安局东城分局侦查终结，以被告人杨某某涉嫌信用卡诈骗罪，于2020年9月7日向本院移送审查起诉。本院受理后，于2020年9月10日已告知被告人有权委托辩护人和自愿认罪认罚可能导致的法律后果，依法讯问了被告人，听取了辩护人的意见，审查了全部案件材料。被告人杨某某同意适用简易程序审理。

经依法审查查明：

2019年以来，被告人杨某某利用在工商银行办理的信用卡卡号为：62223300********，陆续透支消费购买汽车、电                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        脑等生活用品共计10万元，到2019年7月为止，杨某某分期还款36716元，剩余63284元无力偿还，逾期利息为11668.04元。期间杨某某多次接到工商银行短信及电话催促其还款，但其信用卡除每月少量还款50元、100元等不等数额外，仍未归还。

另查明，案发后被告人杨某某已将逾期的本金及利息78091.56元全部还清。

认定上述事实的证据如下：

被告人杨某某的供述和辩解；证人赵某某的证言；书证户籍证明、报案材料、还款凭证、抓获经过、破案报告等。

上述证据收集程序合法，内容客观真实，足以认定指控犯罪事实，被告人杨某某对指控的犯罪事实和证据无异议，并自愿认罪认罚。

本院认为，被告人杨某某以非法占有为目的，恶意透支，数额较大，其行为触犯了《中华人民共和国刑法》第一百九十六条第一款第四项、第二款，犯罪事实清楚，证据确实、充分，应当以信用卡诈骗罪追究其刑事责任。根据《中华人民共和国刑事诉讼法》第一百七十六条的规定，提起公诉，建议适用简易程序，请依法判处。

此致

三门峡市湖滨区人民法院 

检 察 员：常  宁    

检 察 员：张 力  

2020年9月17日  

附：

1、被告人杨某某现监视居住于三门峡市湖滨区**镇**村；

2、案卷材料和证据2册；

3、认罪认罚具结书1份；

4、光盘2张。