{"id":2759,"date":"2023-10-24T09:42:34","date_gmt":"2023-10-24T07:42:34","guid":{"rendered":"https:\/\/armenterasblanco.com\/?p=2759"},"modified":"2026-10-13T12:54:17","modified_gmt":"2026-10-13T10:54:17","slug":"la-targeta-revolving-i-els-interessos-abusius","status":"publish","type":"post","link":"https:\/\/armenterasblanco.com\/ca\/la-targeta-revolving-i-els-interessos-abusius\/","title":{"rendered":"La targeta revolving i els interessos abusius"},"content":{"rendered":"<p>El nostre despatx \u00e9s <a href=\"https:\/\/armenterasblanco.com\/ca\/bancari\/\">especialista en dret bancari<\/a>, i hem observat que un dels productes t\u00f2xics de la banca que afecta m\u00e9s als nostres clients s\u00f3n les targetes revolving.<\/p>\n<p>Les targetes revolving permeten accedir a cr\u00e8dits al consum limitats mitjan\u00e7ant l&#8217;\u00fas de la targeta o disposicions en efectiu mitjan\u00e7ant trucades telef\u00f2niques. El problema \u00e9s que els interessos remuneratius acostumen a ser molt alts, de manera que \u00e9s molt habitual que es deixin pendents quantitats absolutament desproporcionades respecte a l&#8217;import prestat.<\/p>\n<p>Aquestes targetes poden anar en contra de l&#8217;article 1 de la Llei de 23 de juliol de 1908 de Repressi\u00f3 de l&#8217;Usura, que estableix que \u00abser\u00e0 nul tot contracte de pr\u00e9stec en qu\u00e8 s&#8217;estipuli un inter\u00e8s notablement superior al normal del diner i manifestament desproporcionat amb les circumst\u00e0ncies del cas o en condicions tals que resulti lleon\u00ed, havent-hi motius per estimar que ha estat acceptat pel prestatari a causa de la seva situaci\u00f3 anguni\u00f3s, de la seva inexperi\u00e8ncia o de la limitaci\u00f3 de les seves facultats mentals\u00bb.<\/p>\n<h5>Segons la jurisprud\u00e8ncia del Tribunal Suprem (STS 628\/2015 de 25 de novembre de 2015, Secci\u00f3 n\u00ba16), els requisits jurisprudencials per aplicar aquest article s\u00f3n els seg\u00fcents:<\/h5>\n<p>1.- S&#8217;ha de comparar l&#8217;inter\u00e8s remuneratori previst a la targeta revolving amb l&#8217;inter\u00e8s \u00abnormal o habitual, en concorr\u00e8ncia amb les circumst\u00e0ncies del cas i la llibertat existent en la mat\u00e8ria\u00bb (STS n\u00ba 869\/ 2001, de 2 d&#8217;octubre). Per fer aquesta comparaci\u00f3, es pot rec\u00f3rrer a les estad\u00edstiques publicades pel Banc d&#8217;Espanya sobre el tipus d&#8217;inter\u00e8s mitj\u00e0 que apliquen les entitats de cr\u00e8dit en pr\u00e9stecs personals al consum.<\/p>\n<p>2.- L&#8217;inter\u00e8s ha de ser notablement superior a l&#8217;inter\u00e8s normal del diner i manifestament desproporcionat amb les circumst\u00e0ncies del cas. Segons el Tribunal Suprem, l&#8217;entitat financera ha de justificar la concorr\u00e8ncia de circumst\u00e0ncies excepcionals que expliquin l&#8217;aplicaci\u00f3 d&#8217;un inter\u00e8s notablement superior al normal per a aquest tipus d&#8217;operacions.<\/p>\n<p>A t\u00edtol d&#8217;exemple, en el cas examinat per aquesta sent\u00e8ncia del Tribunal Suprem, s&#8217;considera abusiu l&#8217;inter\u00e8s remuneratori del pr\u00e9stec personal revolving del 24,6% TAE. Aqu\u00ed us deixem l&#8217;enlla\u00e7 per si voleu llegir la sent\u00e8ncia \u00edntegra. <a href=\"http:\/\/www.poderjudicial.es\/cgpj\/es\/Poder-Judicial\/Noticias-Judiciales\/El-Supremo-anula-por-usurario-un-prestamo-al-consumo-al-24%E2%80%93de-interes\" target=\"_new\" rel=\"noopener\">http:\/\/www.poderjudicial.es\/cgpj\/es\/Poder-Judicial\/Noticias-Judiciales\/El-Supremo-anula-por-usurario-un-prestamo-al-consumo-al-24\u2013de-interes<\/a><\/p>\n<p>Esteu afectat per aquest tipus de producte? Poseu-vos en contacte amb el nostre despatx d&#8217;advocats i us indicarem com procedir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El nostre despatx \u00e9s especialista en dret bancari, i hem observat que un dels productes t\u00f2xics de la banca que afecta m\u00e9s als nostres clients s\u00f3n les targetes revolving. Les targetes revolving permeten accedir a cr\u00e8dits al consum limitats mitjan\u00e7ant l&#8217;\u00fas de la targeta o disposicions en efectiu mitjan\u00e7ant trucades telef\u00f2niques. El problema \u00e9s que [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"categories":[36],"tags":[],"class_list":["post-2759","post","type-post","status-publish","format-standard","hentry","category-dret-bancari-ca"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La targeta revolving i els interessos abusius - Armenteras Blanco Advocats<\/title>\n<meta name=\"description\" content=\"Vols saber-ho tot sobre La targeta revolving i els interessos abusius. 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