{"id":4867,"date":"2026-06-30T22:04:17","date_gmt":"2026-06-30T22:04:17","guid":{"rendered":"https:\/\/staging.atoabogados.com\/?page_id=4867"},"modified":"2026-07-10T18:01:10","modified_gmt":"2026-07-10T18:01:10","slug":"intereses-abusivos-tarjetas-credito-y-prestamos-personales-faciles-2","status":"publish","type":"page","link":"https:\/\/staging.atoabogados.com\/?page_id=4867","title":{"rendered":"Intereses abusivos tarjetas cr\u00e9dito y pr\u00e9stamos personales f\u00e1ciles"},"content":{"rendered":"\t\t
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LOS INTERESES ABUSIVOS Y LA USURA\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Requisitos para reclamar y recuperar su dinero<\/span><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n
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Intereses abusivos tarjetas cr\u00e9dito y pr\u00e9stamos personales f\u00e1ciles\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n
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Para solicitar la nulidad de los intereses abusivos<\/b> es necesario revisar las cl\u00e1usulas establecidas en el contrato. Si el juez estima que hay intereses abusivos o usura en el pr\u00e9stamo, se podr\u00eda anular el pago de la cantidad que exceda de lo legal y solicitar la devoluci\u00f3n de lo indebidamente cobrado.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Bancos, entidades financieras y grandes superficies comerciales ofrecen esta modalidad de pago aplazado\u00a0con una\u00a0TAE de los intereses ordinarios\u00a0que pueden superar\u00a0el 12% y llegar incluso a m\u00e1s del 40%.\u00a0En muchas tarjetas de cr\u00e9dito, microcr\u00e9ditos y pr\u00e9stamos r\u00e1pidos se cobran, incluso,\u00a0comisiones en caso de impago de cuotas\u00a0que penalizan con porcentajes superiores al 20% de la cantidad impagada, lo que supone unas TAE reales desproporcionadas que rondan hasta el 300%,\u00a0lo que supone un abuso contra los clientes y que pueden considerarse intereses\u00a0\u00abde usura\u00bb<\/strong><\/em>.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Precisamente, un juez de Valladolid, utiliz\u00f3 la centenaria\u00a0Ley de usura<\/strong>\u00a0<\/em>para declarar como usura los intereses de una tarjeta de cr\u00e9dito que ten\u00eda una comisi\u00f3n anual del 20,9 %, anulando el contrato por estipular un inter\u00e9s desproporcionado, donde\u00a0el cliente s\u00f3lo deber\u00e1 devolver lo gastado.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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As\u00ed mismo, el Tribunal Supremo considera abusiva la cl\u00e1usula de los contratos de pr\u00e9stamo personal que fija un inter\u00e9s de demora de m\u00e1s de dos puntos porcentuales respecto del inter\u00e9s remuneratorio pactado.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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El Pleno de la Sala de lo Civil del Tribunal Supremo ha dictado una sentencia, por la que declara, por unanimidad. que en los pr\u00e9stamos personales, sin garant\u00eda hipotecaria, concertados por consumidores, es abusiva la condici\u00f3n general que establece un inter\u00e9s de demora que supere en m\u00e1s de dos puntos porcentuales el inter\u00e9s remuneratorio. Por ello, en estos casos el pr\u00e9stamo devengar\u00e1 exclusivamente el inter\u00e9s remuneratorio,\u00a0eliminando completamente el incremento porcentual en que consiste el inter\u00e9s de demora abusivo.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u00a1SOLICITE LA NULIDAD DE LOS INTERESES ABUSIVOS Y LA DEVOLUCI\u00d3N DE LO INDEBIDAMENTE COBRADO!\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Si se ha visto afectado por este tipo de cl\u00e1usulas de inter\u00e9s abusivas, p\u00f3ngase en contacto con nuestro despacho y le asesoraremos sobre c\u00f3mo actuar<\/p><\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/main><\/div><\/div><\/div><\/div><\/section><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tCONTACTE CON NOSOTROS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u00daLTIMAS NOTICIAS\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tEl IRPH sigue generando dudas en los tribunales europeos\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\u00bfCu\u00e1ndo un cr\u00e9dito al consumo puede considerarse abusivo? El Supremo aclara los criterios\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tLa justicia pone el foco en las tarjetas de cr\u00e9dito: m\u00e1s control para los pr\u00e9stamos al consumo\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tEl IRPH vuelve al TJUE: Europa reabre el debate sobre cu\u00e1ndo puede considerarse abusivo\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tNueva v\u00eda para cancelar deudas: el Supremo avala la exoneraci\u00f3n de parte de la deuda p\u00fablica en un procedimiento de Segunda Oportunidad\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

LOS INTERESES ABUSIVOS Y LA USURA Requisitos para reclamar y recuperar su dinero Intereses abusivos tarjetas cr\u00e9dito y pr\u00e9stamos personales<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","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":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-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":"","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-4)","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-4)","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-4)","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":""}},"footnotes":""},"class_list":["post-4867","page","type-page","status-publish","hentry"],"yoast_head":"\nIntereses abusivos tarjetas cr\u00e9dito y pr\u00e9stamos personales f\u00e1ciles - 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