{"id":13468,"date":"2025-03-03T11:53:35","date_gmt":"2025-03-03T10:53:35","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=13468"},"modified":"2025-03-03T12:29:18","modified_gmt":"2025-03-03T11:29:18","slug":"el-tribunal-suprem-fixa-els-criteris-per-a-declarar-abusius-els-interessos-de-les-targetes-revolving-per-falta-de-transparencia","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/el-tribunal-suprem-fixa-els-criteris-per-a-declarar-abusius-els-interessos-de-les-targetes-revolving-per-falta-de-transparencia\/","title":{"rendered":"El Tribunal Suprem fixa els criteris per a declarar abusius els interessos de les targetes revolving per falta de transpar\u00e8ncia"},"content":{"rendered":"<h5>Per al Tribunal Suprem \u00e9s un inter\u00e8s d&#8217;usurer tot el que va m\u00e9s enll\u00e0 de 6 punts percentuals en relaci\u00f3 amb el tipus mitj\u00e0 dels diners. A m\u00e9s d&#8217;aix\u00f2, cal tenir en compte que la falta de transpar\u00e8ncia \u00e9s un aspecte clau i perillosament negatiu del revolving.<\/h5>\n<hr \/>\n<p>El cr\u00e8dit <em>revolving<\/em> fa anys que est\u00e0 en discussi\u00f3, i ha estat objecte de moltes sent\u00e8ncies d&#8217;Audi\u00e8ncies Provincials. Sembla que per fi el Tribunal Suprem ha posat fil a l&#8217;agulla per a definir el l\u00edmit d&#8217;usura.<\/p>\n<h3>Que \u00e9s el cr\u00e8dit <em>revolving<\/em> ?<\/h3>\n<p>S\u00f3n unes targetes de cr\u00e8dit que presenten la peculiaritat que nom\u00e9s tenen l&#8217;opci\u00f3 de pagament ajornat, \u00e9s a dir, totes les compres que es paguin amb aquesta targeta s&#8217;ajornaran amb els seus interessos corresponents,<\/p>\n<p>Existeixen molts dubtes sobre si les targetes <em>revolving<\/em> tenen alguna utilitat real pel consumidor, que moltes vegades t\u00e9 nul coneixement d&#8217;economia i finances i pot arribar a comprar de forma compulsiva i a valorar com un &#8220;favor&#8221; que una entitat financera li lliuri una targeta amb 3.000 euros. El consumidor a vegades no ent\u00e9n que el producte i la mercaderia de bancs i entitats financeres \u00e9s els diners i pensa que el lliurament d&#8217;un pr\u00e9stec \u00e9s una cosa que ha d&#8217;agrair.<\/p>\n<p>Uma targeta <em>revolving<\/em>, al 20% d&#8217;inter\u00e8s, pagant una &#8220;quota fixa de 50 euros&#8221;, com fan moltes financeres, pot ser un cr\u00e8dit impagable, perqu\u00e8 el 20% d&#8217;inter\u00e8s anual, a 5 anys vista fa un 100% d&#8217;inter\u00e8s total, la qual cosa implica doblar el deute en relaci\u00f3 amb el capital inicialment disposat.<\/p>\n<h3>Quina es la doctrina del Tribunal Suprem ?<\/h3>\n<p>Pel Tribunal Suprem, la conclusi\u00f3 \u00e9s senzilla: m\u00e9s enll\u00e0 de 6 punts percentuals en relaci\u00f3 amb el tipus mitj\u00e0 dels diners, \u00e9s un inter\u00e8s d&#8217;usurer. A m\u00e9s de tot aix\u00f2, cal tenir en compte que la falta de transpar\u00e8ncia \u00e9s un aspecte clau i perillosament negatiu del <em>revolving<\/em>.<\/p>\n<p>La falta de transpar\u00e8ncia del <em>revolving<\/em>, consisteix en que no indica realment la TAE (taxa anual equivalent) en els contractes. Informa que pots tornar a disposar dels diners, per\u00f2 en definitiva no diu quants diners, i tampoc proposa o assenyala un calendari de pagaments. En definitiva, el consumidor est\u00e0 perdut amb una targeta <em>revolving<\/em>.<\/p>\n<h3>Quina es la conclusi\u00f3 ?<\/h3>\n<p>Hi ha jutjats, com els mercantils de Saragossa, que quan el consumidor demana l&#8217;empara de la llei de segona oportunitat per que li perdonin els deutes, exigeixen la\u00a0documentaci\u00f3 dels pr\u00e9stecs, quan \u00e9s ben sabut que els contractes de targetes <em>revolving<\/em> s\u00f3n signats en l\u00ednia, de manera que es complica molt al consumidor poder llegir, estudiar el clausulat. I despr\u00e9s el pitjor, \u00e9s que \u00e9s molt dif\u00edcil conservar la documentaci\u00f3, perqu\u00e8 en general se signa tot per m\u00f2bil o e-mail, i si es perd el dispositiu o correu, \u00e9s impossible recuperar-la.<\/p>\n<p>Davant aquesta situaci\u00f3 es molt probable que els tribunals acabin declarant la nul\u00b7litat del cr\u00e8dit revolving per condicions abusives i manca de transpar\u00e8ncia, i que el consumidor\u00a0 no ha de pagar els interessos reclamats.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-3030\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat-300x200.jpg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat-1024x683.jpg 1024w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat-768x512.jpg 768w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat-1536x1024.jpg 1536w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat-600x400.jpg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Poltica-Qualitat.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3><span style=\"color: #3366ff;\"><em>Es poden posar en contacte amb aquest despatx professional per qualsevol dubte o aclariment que puguin tenir sobre aquesta q\u00fcesti\u00f3, adre\u00e7an-se, sense cap comprom\u00eds a info@rm-assessors.cat, o trucant al 972 208 258.<\/em><\/span><\/h3>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Per al Tribunal Suprem \u00e9s un inter\u00e8s d&#8217;usurer tot el que va m\u00e9s enll\u00e0 de 6 punts percentuals en relaci\u00f3 amb el tipus mitj\u00e0 dels diners. A m\u00e9s d&#8217;aix\u00f2, cal tenir en compte que la falta de transpar\u00e8ncia \u00e9s un aspecte clau i perillosament negatiu del revolving. El cr\u00e8dit revolving fa anys que est\u00e0 en [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":13465,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,41,17],"tags":[3018,3020,3019],"class_list":["post-13468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-destacats","category-juridica","tag-credit-revolving","tag-interes-usurer","tag-targetes-de-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El Tribunal Suprem fixa els criteris per a declarar abusius els interessos de les targetes revolving per falta de transpar\u00e8ncia | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/en\/el-tribunal-suprem-fixa-els-criteris-per-a-declarar-abusius-els-interessos-de-les-targetes-revolving-per-falta-de-transparencia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Tribunal Suprem fixa els criteris per a declarar abusius els interessos de les targetes revolving per falta de transpar\u00e8ncia | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Per al Tribunal Suprem \u00e9s un inter\u00e8s d&#8217;usurer tot el que va m\u00e9s enll\u00e0 de 6 punts percentuals en relaci\u00f3 amb el tipus mitj\u00e0 dels diners. 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