{"id":2919,"date":"2021-12-03T09:28:12","date_gmt":"2021-12-03T09:28:12","guid":{"rendered":"https:\/\/hosting161456eu-280101.webempresa.site\/?p=2919"},"modified":"2021-12-03T09:28:13","modified_gmt":"2021-12-03T09:28:13","slug":"tarjetas-revolving","status":"publish","type":"post","link":"https:\/\/portilloestudiolegal.com\/?p=2919","title":{"rendered":"Tarjetas revolving"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Las tarjetas revolving son una tipolog\u00eda dentro de las tarjetas de cr\u00e9dito que permiten aplazar y fraccionar el pago del importe adeudado en cuotas mensuales que generan intereses. La gran diferencia con una tarjeta de cr\u00e9dito ordinaria es que \u00e9stas se limitan (por lo general) a cargar en cuenta el importe adeudado a mes vencido sin que quepa el fraccionamiento del pago del importe de cr\u00e9dito dispuesto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La particularidad de las tarjetas revolving consiste en que, en muchos casos, cobran a sus usuarios unos intereses abusivos que suelen superar el 20%, lo que en la pr\u00e1ctica ha llevado a situaciones en las que el cliente cada vez debe m\u00e1s dinero pese a pagar regularmente su cuota porque sigue haciendo uso de la misma hasta el l\u00edmite del capital concedido.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los Tribunales se han pronunciado en numerosas sentencias acerca de la abusividad de los tipos de inter\u00e9s aplicados por muchas de las compa\u00f1\u00edas que comercializan las tarjetas revolving, siempre que aqu\u00e9llos sean superiores al 20%, aunque sin establecer un l\u00edmite concreto a partir del cual se considera el inter\u00e9s abusivo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El fundamento de la reclamaci\u00f3n se encuentra en la <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1908-5579\">Ley de 23 de julio de 1908 sobre nulidad de los contratos de pr\u00e9stamos usurarios<\/a>, tambi\u00e9n denominada \u201cLey Azc\u00e1rate\u201d, seg\u00fan la cual se puede solicitar la nulidad del contrato de pr\u00e9stamo y la reintegraci\u00f3n de las cantidades pagadas de m\u00e1s sobre el capital dispuesto en concepto de intereses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entre las tarjetas revolving que suelen cobrar esos intereses elevados encontramos las siguientes: Wizink, Barclays, Bankinter, Alcampo, Carrefour Pass o Cetelem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Desde Portillo Estudio Legal le ofrecemos la posibilidad de analizar, sin ning\u00fan compromiso, la documentaci\u00f3n relativa a su contrato de tarjeta de cr\u00e9dito de cara a valorar la viabilidad judicial de las acciones legales a emprender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No lo dude y contacte con nosotros para reclamar a la entidad emisora de su tarjeta y solicitar la nulidad de su contrato as\u00ed como la recuperaci\u00f3n de las cantidades abonadas en concepto de intereses abusivos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las tarjetas revolving son una tipolog\u00eda dentro de las tarjetas de cr\u00e9dito que permiten aplazar y fraccionar el pago del importe adeudado en cuotas mensuales que generan intereses. La gran&#8230;<\/p>\n","protected":false},"author":2,"featured_media":2920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[194,193,192],"tags":[202,200,199,198,201,196,195,197],"class_list":["post-2919","post","type-post","status-publish","format-standard","has-post-thumbnail","category-nulidad-de-clausulas-abusivas","category-proteccion-del-consumidor","category-tarjetas-revolving","tag-alcampo","tag-bankinter","tag-barclays","tag-carrefour","tag-cetelem","tag-nulidad-e-indemnizacion","tag-tarjetas-revolving","tag-wizink"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tarjetas revolving Portillo Estudio Legal<\/title>\n<meta name=\"description\" content=\"Tarjetas revolving. Nulidad y devolucion de intereses abusivos. 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