REVOLVING CREDIT CARDS

They promise you comfort; we promise you get your money back.

Revolving credit cards let you spread your purchases into “small” installments… in exchange for very high interest that can make the debt feel almost endless. They’re marketed by banks and major retailers.

At PEREZ DOMINGO, we review your contract and account activity, calculate what you’ve overpaid, and claim the nullity of interest and fees to cancel the debt and recover your money.

We explain how to proceed, what documents you need, and what the next step is.

Our commitment: We only charge if you recover your money.

WHY CAN I MAKE A CLAIM?

Porque estas tarjetas suelen aplicar TAEs muy elevadas y cláusulas que no superan los controles de transparencia.

Si acreditamos usura y/o falta de transparencia:

The interest and fees are voided.

You only have to repay the principal actually drawn.

And you’re reimbursed for what you overpaid.

WHAT DO I GAIN IF I MAKE A CLAIM?

01.

A 100% refund of all improperly charged amounts (interest, fees, insurance).

02.

Cancellation of the card.

03.

If what you’ve overpaid exceeds what you still owe (which is usually the case), your balance is cleared to zero and the issuer must also pay you the difference.

HOW CAN I FILE A CLAIM REGARDING MY REVOLVING CREDIT CARD?

STEP 1

Free review of your contract and statements.

STEP 2

Out-of-court claim to the issuer: we request nullity for usury and/or lack of transparency, and the refund of amounts paid.

STEP 3

Response time: if they don’t uphold our out-of-court claim, we file a lawsuit before the Court of First Instance.

USEFUL DOCUMENTATION TO GET STARTED

Contract/terms (or the card’s “Regulations”).

Statements/settlements: at least a couple per year since the start.

Recent payment receipts and communications from the lender.
Don’t have it? We’ll help you request duplicates: they’re required to provide them.

HOW MUCH DOES THE CLAIM COST YOU?

WHAT ARE MY CHANCES OF SUCCESS?

We assess two pillars:

01.

Usury: we compare the APR applied with the average consumer-credit rates at the time the contract was signed.

02.

Transparency: the genuine clarity of the interest clause, cost simulations, pre-contractual information, how installments are calculated, etc.

WHY CHOOSE PEREZ DOMINGO?

Because we specialize in banking and consumer law and have handled numerous revolving-card cases and other abusive terms. We offer:

Our goal is to break the “infinite debt” cycle and recover what’s yours.

NEXT STEPS

01.

Send us the contract (if you have it) and 2–3 statements per year.

02.

We provide you with an estimated recovery amount.

03.

If there’s no amicable solution, we will defend your case in court.

We only charge if you recover your money.

SHALL WE GET STARTED?

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Bank Claims

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