WiZink
WiZink Visa · Barclaycard · Visa Oro
Devuelve / Services
Banking claims
Revolving credit cards
You pay every month. But is your debt going down?
If you pay a fixed monthly instalment and your balance barely falls, you may have a revolving credit card. Devuelve reviews your case to challenge unfair interest and, where appropriate, seek to have the agreement declared void.
No upfront fees · No win, no fee
Your card, examined
Which revolving cards can you claim for?
Cards repaid through fixed instalments may be eligible for a claim where there is usurious interest or a lack of transparency. Older agreements deserve particular attention, but the date alone does not determine whether you can claim.
Do these signs sound familiar?
- You pay a fixed instalment, but your debt barely falls.
- Nobody explained how long repayment would take.
- Interest uses up a large part of your payment.
Why Devuelve?
We only win if you win
Nothing to pay upfront. We only charge if you recover your money.
We seek an agreement first
We contact your lender and assess negotiation before taking the case to court.
Straightforward from start to finish
If you do not have your agreement or statements, we help you request the documents.
Recovering your money can be this simple
01
Free assessment
A specialist reviews your card, its terms and your potential claim.
02
Documentation
We gather the agreement and statements. A receipt can help us start reviewing your case.
03
Negotiation with the bank
We submit a preliminary complaint and seek a solution with your lender.
04
Court proceedings
If there is no suitable agreement and your case is viable, we take it to court.
05
Decision and recovery
If your claim succeeds, we calculate and seek repayment of the amounts due.
Free assessment
Understand your options before deciding.
No upfront fees
We work on a no-win, no-fee basis.
Throughout Spain
We handle your case online.
Which revolving cards are available in Spain?
These lenders and brands have offered cards with instalment payments. Eligibility depends on your agreement, the payment method you used and the information you received; inclusion in this list does not guarantee a successful claim.
CaixaBank
Visa & Pay · Visa Classic · Visa Oro · IKEA · Fnac
BBVA
Iberia Cards · Alsa Plus Visa
Santander / Popular
Visa Global Bonus · Visa Global Élite · Visa Hop
Banco Sabadell
Visa Oro · Visa Classic · Visa Shopping
Cetelem
Cetelem Mastercard · Conforama · Decathlon
Bankinter / Bankintercard
Bankintercard Oro · Vodafone · Air Europa Suma
Oney
Alcampo · Leroy Merlin
Carrefour
Carrefour PASS
IKEA
IKEA VISA
Repsol
Repsol Más Visa
Advanzia / Inditex
You Mastercard · Affinity Card
What our clients say about us
Verified Devuelve client experiences will appear here. We do not present other firms’ reviews as our own.
Legal developments
Revolving cards under Supreme Court scrutiny
The January 2025 judgments emphasise that consumers must understand how the credit works and the risk of prolonged debt. We review both the interest and the information provided when you signed up.
Read the Spanish judiciary’s guidanceFrequently asked questions
What are revolving credit cards?+
They provide credit that renews as you repay it. Payments may be a fixed amount or a percentage of the balance. Low instalments can extend repayment and increase interest.
Which revolving cards are available in Spain?+
WiZink, Carrefour PASS, Cetelem and Bankintercard are familiar examples. Traditional banks and retailers also offer cards with revolving payment options.
Which banks offer revolving cards?+
Many lenders offer or have offered instalment payments, including Santander, BBVA, CaixaBank, Sabadell and Bankinter. Your payment method and agreement are what matter.
When is a card considered revolving?+
When the credit renews and you repay what you spend through periodic instalments, without necessarily clearing the whole balance each month. Check your agreement and statements.
Which cards can I claim for?+
Those involving usurious interest, unfair terms or a relevant lack of transparency. Not every card or fixed payment arrangement is automatically eligible.
How much can I recover?+
It depends on the credit used, your payments and the legal basis of the claim. Where an agreement is void, the principal and payments are reconciled. Interest, fees and insurance are assessed individually.
What documents do I need?+
Your agreement, account statements and receipts. If you no longer have them, we help you request them from the lender.
What does the Supreme Court say?+
Judgments 154/2025 and 155/2025 of 30 January examine transparency of interest alongside the revolving repayment system. The information must enable consumers to understand how it works and its financial risks.
How long does it take, and what is the deadline to claim?+
Timing depends on the bank’s response, the court and any appeals. Time limits for declaring an agreement void and recovering payments can differ; we review your dates and legal grounds before making a claim.
Can I claim after cancelling my card?+
Yes, cancellation alone does not rule out a claim. We need to review your agreement, payments and any applicable time limits.
Stop paying without understanding your debt.
Find out whether you can recover what you overpaid. We assess your card for free and explain your options.
No upfront fees · No win, no fee
General information, not individual advice or a guarantee of success. Every claim requires a review of the agreement.