The minimum-payment trap.
We can help you get out.
The courts declare revolving interest usurious when it exceeds double the average consumer credit rate. Wizink, Cofidis, Cetelem, Carrefour Pass — we claim back what they overcharged you.
Three signs that
your card is revolving
Many people have a revolving credit card without knowing it. These are the clearest signs to spot one in your statements.
APR above 20%
Most revolving cards charge APRs between 22% and 28%. Check your contract or monthly statement — the APR must always be shown.
A balance that never goes down
You have been paying monthly instalments for years but the outstanding balance barely shrinks. Interest eats up almost the entire instalment and the principal never decreases.
Automatic minimum payment
You were set a minimum instalment (5% of the balance or a fixed amount) and the rest is automatically "deferred", piling up interest on interest.
The Spanish Supreme Court
has already ruled in your favour
Supreme Court rulings from 2015, 2020 and 2023 have established that revolving card interest exceeding more than double the average consumer credit rate is null and void as usurious (under Spain's Azcarate Usury Law).
If the contract is void
You only have to repay the capital you actually used. Everything you paid in interest, fees and charges must be refunded. You may already have paid back more than you borrowed.
Can I claim even if time has passed?
A claim for nullity of the contract is not time-barred. If the contract is usurious, it can be declared void even many years later. We advise you on your specific case.
Most commonly claimed cards
Wizink (Citibank), Cofidis, Cetelem, Carrefour Pass, Ikea Visa, Amazon, MediaMarkt, El Corte Ingles, Caixabank, BBVA and many more. Not just the "finance houses".
What if I already cancelled it?
You can claim even if the card has already been cancelled. What matters is that the contract existed and the interest was charged — cancellation does not extinguish your right to claim.
Three steps to
recover your money
Case review
We review the contract and statements. We calculate the real APR, the total paid and the capital drawn down. We tell you your chances of winning and how much you can recover.
Out-of-court claim
We file a formal claim with the lender. Many settle at this stage to avoid litigation costs. If they accept, you get paid within weeks.
Court proceedings
If there is no agreement, we file a lawsuit. The Supreme Court's case law gives us a solid basis. If we win, the lender pays the legal costs.
Common questions
about revolving credit cards
What is a revolving credit card and why can it be claimed?
How do I know if I can claim against my revolving card?
What documentation do I need to make a claim?
What can I recover if the claim succeeds?
How long does the process usually take?
We only get paid if you recover
the money they took from you.
The first consultation is free. Tell us which card you have and how much you have paid, and within 24 hours we will tell you whether you have a case and how much you can recover.
Is your card usurious? Check it now
Enter the APR and the year you took out the card. Our legal engine tells you in seconds whether it exceeds the Supreme Court threshold and how much you could recover. Available in Spanish.