You pay every month and owe the same as years ago: that is how revolving credit is designed. Spain's Supreme Court has opened two doors — usury and lack of transparency — and walking through either starts with something simple: reading your contract properly. That's where we come in.
A few questions about your product, your APR and what they explained when you signed — and you'll see which of the two routes fits your case and what to do first. Free, no sign-up, nothing leaves your browser. (Tool in Spanish.)
Revolving credit renews itself: a low minimum instalment, interest on interest (anatocism), and a limit that "recovers" as you pay — so the debt barely falls. The signs: you've paid for years and the balance hardly moves; you never saw a clear APR; you don't remember anyone explaining how the card actually works. Fast micro-loans with triple-digit APRs raise the same legal questions. If any of this sounds familiar, your contract deserves a proper reading.
Usury (Azcárate Act of 1908; Supreme Court judgments 628/2015, 149/2020 and 258/2023): a revolving card is usurious when its APR exceeds the official average revolving rate — published by the Bank of Spain — by 6 points or more. The effect is drastic: the credit is void and you only repay the capital actually drawn; everything paid above it comes back to you. Lack of transparency (Plenary judgments 154/2025 and 155/2025, of 30 January): if you weren't given clear prior information on the APR, the automatic credit recomposition and compound interest, the interest clause can be declared unfair — a second, independent route. Every contract is its own case: nobody can honestly guarantee you an outcome, and we won't.
Step one: obtain your contract and full statements — you have the right to ask the lender for them, and it's where every case starts. Step two: a free written claim to the lender's customer service, which you sign yourself; many cases settle here. Step three: if they refuse or stay silent, a complaint to the Bank of Spain on conduct. Step four: the court claim — always with a practising lawyer; we tell you honestly when that moment arrives and hand over a case file that makes the lawyer's work faster. What we do: read the contract against the Supreme Court's tests, calculate what you've paid versus the capital drawn, draft the claim, and keep every reply and deadline on record. Small fixed fee, told in advance.
If what's drowning you is not one card but the sum of everything — loans, micro-credits, cards — the strongest tool in Spanish law is the Second Chance Law: revolving and micro-loan debt is dischargeable. Start with our full guide and its revolving-specific chapter.
Updated daily from official sources (BOE, ministries and public bodies).
Spain's Supreme Court (Plenary, judgments 154/2025 and 155/2025 of 30 January) ruled that information must be given BEFORE signing, explaining the link between the high APR, the automatic credit recomposition and compound interest. Without that transparency, the interest clause can be declared unfair — a second route to claim besides usury.
Standing Supreme Court doctrine (judgment 258/2023): a revolving card is usurious if its APR exceeds the official average revolving rate (published by the Bank of Spain) by 6 points or more. Effect of usury nullity (1908 Azcárate Act): you only repay the capital drawn — everything paid above it must be returned. Claims start free before the lender's customer service; court claims always require a lawyer.
