Tarjetas «revolving»: La Audiencia de Tenerife se adelantó al Supremo.

En la resolución se confirma la sentencia dictada por parte de un Juzgado de la capital tinerfeña que estima íntegramente la demanda interpuesta por el letrado Ymer Isaac González Rodríguez, declarando la nulidad de la tarjeta.

En 2010 ya se había creado una estadística específica del Banco de España para las tarjetas de crédito de pago aplazado. Antes de esto, los tipos de interés de las tarjetas revolving se incluían dentro de la estadística referente a los créditos al consumo.

Debido a este cambio no se sabia si existía posibilidad de anular por cobro de interés excesivamente alto (usura) las tarjetas firmadas con posterioridad al 2010. Por ello debía valorarse si un contrato como el de este proceso, con un  27,24% TAE, podría ser considerado usurario teniendo en cuenta que a la fecha de la firma del mismo el tipo medio de las tarjetas de crédito de pago aplazado era del 21%.

Esta duda fue resuelta el pasado 4 de marzo de 2020 por el Tribunal Supremo en su sentencia, donde dicta que efectivamente las estadísticas de las tarjetas de crédito de pago aplazado es la medida que se debe utilizar para valorar si el tipo de interés del contrato es notablemente superior al normalmente aplicado, sin embargo concluye que un tipo de interés del 26’82% es usurario (elevado).

La Sentencia, dictada por la Sección Primera de la Audiencia Provincial de Santa Cruz de Tenerife, con nº de recurso 482/2019, y  nº de resolución 25/2020, es de fecha 16/01/2020, se adelantó de esta manera a la Sentencia del Supremo, ratificando la nulidad de la tarjeta por usuraria.

Enlace a la sentencia.

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