Acceso usuarios
A lo largo de este artículo analizaremos dos resoluciones que declaran la validez de dos tarjetas de crédito, desestimando su consideración como usurarias por no imponer intereses notablemente superiores a los intereses normales del mercado y por no suponer ninguna desproporción de acuerdo con las circunstancias del caso. Estas resoluciones arrojan un halo de esperanza a los consumidores, pues tras la STS de 25 de noviembre de 20152 y otras afines, sólo cabía esperar el cierre del mercado de las tarjetas de crédito y la condena al recurso de prestamistas privados al margen de la legalidad
Throughout this article we will analyze two court rulings that declared the validity of two credit cards and that rejected considering them usurious arguing that these credit cards did not impose interests notably higher than normal market interests and that those interests were not manifestly disproportionate under the given circumstances. These court rulings offer a glimmer of hope for consumers, because after the Spanish Supreme Court ruling of 25th November 2015 and others similar, the only consequence that could be expected was the credit cards market foreclosure which would condemn consumers to recourse to private lenders -who act outside legality- to get funding.
