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The ruling highlights that the contract, signed in December 2014, was written in "tiny print" that made it considerably difficult to read.
The law firm Heras Sasot has shared on its blog a ruling issued by the Court of First Instance and Instruction No. 1 of Fraga, which declares the nullity of a revolving credit card contract marketed by Carrefour in 2014. The ruling fully upholds the claim filed in defense of a consumer and considers that the contract did not meet the transparency requirements demanded by current regulations.
According to information shared by Heras-Sasot Abogados , the ruling was issued on April 15, 2026, and concludes that the clause relating to compensatory interest does not pass the so-called double control of incorporation and transparency required by consumer protection legislation.
The report indicates that the judge noted several deficiencies in the contract signed over a decade ago. Among these were the small font size, described in the ruling as "tiny print ," and a contractual structure that made it difficult for the client to understand the financial terms.
Lack of sufficient information for the consumer
The ruling also considers it proven that the financial entity could not demonstrate that it had provided the consumer with the necessary prior information to understand the real economic consequences of contracting this financial product.
In this regard, the court ruling reminds consumers that they must have clear, understandable and sufficient information before signing credit contracts, especially when it comes to complex products such as revolving credit cards.
These cards allow you to defer payment for purchases through monthly installments, but a significant portion of each installment is usually allocated to interest payments, which can prolong the debt for years and considerably increase the final cost to the user.
Reference to the jurisprudence of the Supreme Court
One of the most important aspects of the ruling is the reference to the recent doctrine established by the Supreme Court in Ruling 154/2025.
According to the court ruling, this jurisprudence warns of the risks associated with the marketing of revolving credit cards in large stores and commercial establishments, where the contracting usually takes place quickly and in contexts that may make it difficult for the consumer to adequately assess the economic implications of the product.
The ruling points out that these types of practices can lead to the risks inherent in the revolving credit system not being clearly perceived by those who take out these loans.
Carrefour will have to refund the overcharged amounts.
As a consequence of the nullity declared by the court, the client will only have to return the capital that he actually used, without interest or fees associated with the contract.
For its part, the financial institution has been ordered to reimburse all amounts charged in excess as compensatory interest since the signing of the contract, plus the corresponding legal interest.
Furthermore, the sentence orders the defendant to pay the legal costs arising from the judicial proceedings.
A type of complaint that is becoming increasingly common
Claims related to revolving credit cards have increased in recent years as a result of various court rulings that have analyzed both the transparency of these contracts and the level of information provided to consumers during the contracting process.
The ruling issued in Fraga thus joins other resolutions that examine the marketing conditions of this type of financial products and compliance with information obligations by issuing entities.
Full information about this case has been published by the Heras-Sasot law firm on its legal blog.
