Full nullity of the contract
100% void
If the APR exceeds the Bank of Spain average rate by 6.3 points (Supreme Court criterion), the contract is void from the outset. It is as if you had never signed.
If your card's APR exceeds 20% (Bank of Spain legal APR + 6.3 points), the Spanish Supreme Court declares it usurious — meaning the contract is void, all interest paid from day one is refunded and any outstanding debt is cancelled.
Cuando se declara la nulidad por usura, no solo se anula el contrato — se devuelve absolutamente todo lo cobrado durante toda la vida de la tarjeta.
If the APR exceeds the Bank of Spain average rate by 6.3 points (Supreme Court criterion), the contract is void from the outset. It is as if you had never signed.
You recover all the interest you have paid from day one. On cards several years old, this often exceeds €5,000.
Handling fees, late-payment fees, minimum-payment fees, ATM withdrawal fees, return fees... charged during the life of the contract — all reclaimable once the contract is void.
Life insurance, payment protection insurance, unemployment insurance... any insurance sold to you with the card is also void and the premiums paid are reclaimable.
If you are still paying or have an outstanding balance, when nullity is declared the remaining debt is cancelled. You will only have to return the actual principal drawn down, with no interest or charges.
On all amounts claimed, we accrue statutory interest from the date of each payment. It increases the final amount by 15-25%.
Ask us for a free case review and we will get back to you in less than 24 hours.
Enter the APR and the years you have had the card. We calculate whether it exceeds the Supreme Court limit and the estimated amount you can recover.
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The Spanish Supreme Court doctrine on revolving credit cards is fully consolidated. These are the three key rulings we apply to every case.
Founding case. The Plenary of the Spanish Supreme Court declares revolving credit usurious when the APR is notably above the average consumer credit market rate.
The Supreme Court rules that a 26.82% APR on a WiZink revolving card is usurious. It establishes that the correct benchmark is the specific Bank of Spain revolving-card average rate.
The Supreme Court endorses the collective route for revolving claims and reinforces the test: any APR exceeding the Bank of Spain published average rate by 6.3 points is usurious.