{"id":3056,"date":"2025-05-09T12:16:15","date_gmt":"2025-05-09T10:16:15","guid":{"rendered":"https:\/\/iuritcorp.com\/?p=3056"},"modified":"2025-10-20T08:28:39","modified_gmt":"2025-10-20T06:28:39","slug":"te-estan-cobrando-intereses-abusivos-asi-puedes-anular-tu-tarjeta-revolving-o-prestamo-en-espana","status":"publish","type":"post","link":"https:\/\/iuritcorp.com\/en\/te-estan-cobrando-intereses-abusivos-asi-puedes-anular-tu-tarjeta-revolving-o-prestamo-en-espana\/","title":{"rendered":"What you are being charged interest abusive? So you can cancel your Card Revolving or Loan in Spain"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3056\" class=\"elementor elementor-3056\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6927be0 e-flex e-con-boxed e-con e-parent\" data-id=\"6927be0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74ed485 elementor-widget elementor-widget-heading\" data-id=\"74ed485\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es la usura?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82bfb6a elementor-widget elementor-widget-text-editor\" data-id=\"82bfb6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The <strong>usura<\/strong> ocurre cuando un pr\u00e9stamo o tarjeta de cr\u00e9dito tiene unos intereses muy por encima de lo normal, <strong>sin que haya una justificaci\u00f3n clara.<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\">En Espa\u00f1a, esto est\u00e1 regulado por la <strong>Ley de Represi\u00f3n de la Usura<\/strong> de 1908, que sigue aplic\u00e1ndose hoy. Seg\u00fan esta ley, cualquier pr\u00e9stamo con intereses excesivos y desproporcionados puede ser declarado nulo, y el consumidor solo tendr\u00eda que devolver el capital prestado, no los intereses.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1baf6a7 elementor-widget elementor-widget-image\" data-id=\"1baf6a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/05\/Tarjeta-Revolving-o-Prestamos-en-Espana-IURIT--768x432.png\" class=\"attachment-medium_large size-medium_large wp-image-3058\" alt=\"Tarjeta Revolving o Prestamos en Espan\u0303a - IURIT\" srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/05\/Tarjeta-Revolving-o-Prestamos-en-Espana-IURIT--768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/05\/Tarjeta-Revolving-o-Prestamos-en-Espana-IURIT--300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/05\/Tarjeta-Revolving-o-Prestamos-en-Espana-IURIT--1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/05\/Tarjeta-Revolving-o-Prestamos-en-Espana-IURIT--18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/05\/Tarjeta-Revolving-o-Prestamos-en-Espana-IURIT-.png 1366w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6a1561 elementor-widget elementor-widget-heading\" data-id=\"b6a1561\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1ndo se considera que hay intereses abusivos?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9af2912 elementor-widget elementor-widget-text-editor\" data-id=\"9af2912\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>La clave est\u00e1 en comparar el inter\u00e9s que te est\u00e1n cobrando con el inter\u00e9s medio del mercado.<\/strong><span style=\"font-weight: 400;\"> Este dato lo publica cada mes el Banco de Espa\u00f1a, especialmente en la categor\u00eda de \u00abcr\u00e9ditos al consumo\u00bb.<\/span><\/p><p><span style=\"font-weight: 400;\">\ud83d\udc49<em> Si te est\u00e1n cobrando mucho m\u00e1s que la media, podr\u00edas estar ante un <strong>caso de usura.<\/strong><\/em><\/span><\/p><p class=\"\" data-start=\"1176\" data-end=\"1260\"><span style=\"font-weight: 400;\">Existen diferentes sentencias de los \u00faltimos a\u00f1os por el alto tribunal espa\u00f1ol donde declar\u00e1 nulo los contratos con intereses desproporcionados. Este tipo de decisiones judiciales est\u00e1n reforzando los derechos de los consumidores y permitiendo reclamar pr\u00e9stamos abusivos , sobre todo tarjetas revolving.\u00a0<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a0c9b elementor-widget elementor-widget-heading\" data-id=\"d0a0c9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfC\u00f3mo saber si puedes reclamar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98df183 elementor-widget elementor-widget-text-editor\" data-id=\"98df183\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Revisa estos puntos:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfLos intereses son muy altos comparados con un pr\u00e9stamo personal normal?<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfHas pedido poco dinero pero llevas a\u00f1os pagando?<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfLos pagos cubren solo intereses y no el capital?<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><strong>Si respondes \u201cs\u00ed\u201d a alguna de estas preguntas,<\/strong> puede que est\u00e9s pagando m\u00e1s de lo justo.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af8042e elementor-widget elementor-widget-heading\" data-id=\"af8042e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 puedes hacer?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-114a6eb elementor-widget elementor-widget-text-editor\" data-id=\"114a6eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Revisa el contrato o el recibo mensual para ver el TAE.<\/strong><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Consulta el inter\u00e9s medio del Banco de Espa\u00f1a del mes en que firmaste.<\/strong><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Habla con un experto para comprobar si puedes reclamar judicialmente.<\/strong><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4b7a0e elementor-widget elementor-widget-image\" data-id=\"a4b7a0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"432\" data-src=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/02\/Hacienda-no-puede-investigar-deudas-prescritas2-768x432.png\" class=\"attachment-medium_large size-medium_large wp-image-2790 lazyload\" alt=\"Hacienda no puede investigar deudas prescritas\" data-srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/02\/Hacienda-no-puede-investigar-deudas-prescritas2-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/02\/Hacienda-no-puede-investigar-deudas-prescritas2-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/02\/Hacienda-no-puede-investigar-deudas-prescritas2-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/02\/Hacienda-no-puede-investigar-deudas-prescritas2-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/02\/Hacienda-no-puede-investigar-deudas-prescritas2.png 1366w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/432;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a597745 elementor-widget elementor-widget-text-editor\" data-id=\"a597745\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cada vez m\u00e1s personas est\u00e1n reclamando por intereses abusivos en tarjetas y pr\u00e9stamos. <\/span><span style=\"font-weight: 400;\">Si crees que te est\u00e1n cobrando demasiado, no te resignes. <strong>La ley te protege y puedes recuperar tu dinero.<\/strong><\/span><\/p><p><strong>\u00bfNo est\u00e1s seguro si est\u00e1s pagando de m\u00e1s?<\/strong><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> Escr\u00edbenos sin compromiso y revisamos tu caso.\u00a0 Reclamar tus derechos puede ser m\u00e1s f\u00e1cil de lo que piensas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c912b35 elementor-widget elementor-widget-text-editor\" data-id=\"c912b35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a1<a href=\"https:\/\/iuritcorp.com\/en\/asesoria-fiscal-para-particulares\/\"><strong>Click here<\/strong><\/a>\u00a0and let us guide you towards a fiscal management efficient and hassle-free!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb1bf2 elementor-widget elementor-widget-text-editor\" data-id=\"2fb1bf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our social media:<\/p><p><a href=\"https:\/\/www.instagram.com\/iurit.tax\/\" target=\"_blank\" rel=\"noopener\">Instagram<\/a> | <a href=\"https:\/\/www.linkedin.com\/company\/iuritcorp\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a> | <a href=\"https:\/\/www.facebook.com\/share\/otfbiaTee4YUHjpJ\/?mibextid=LQQJ4d\" target=\"_blank\" rel=\"noopener\">Facebook<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00bfTienes una tarjeta revolving o un pr\u00e9stamo con intereses muy altos? Muchos consumidores est\u00e1n pagando de m\u00e1s sin saberlo. Te explicamos de forma clara qu\u00e9 es la usura, c\u00f3mo reconocerla y qu\u00e9 hacer para reclamar.<\/p>","protected":false},"author":1,"featured_media":3058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[140],"tags":[168,153,167],"class_list":["post-3056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-fiscal-reformas-legales","tag-bancos","tag-impuestos-espana","tag-revolving"],"_links":{"self":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3056","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/comments?post=3056"}],"version-history":[{"count":4,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3056\/revisions"}],"predecessor-version":[{"id":3061,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3056\/revisions\/3061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media\/3058"}],"wp:attachment":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media?parent=3056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/categories?post=3056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/tags?post=3056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}