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Court of Justice of the European Union · Judgment

C-744/24P.W. v Bank Polska Kasa Opieki S.A

Decided
2026-04-23
ECLI
ECLI:EU:C:2026:337
CELEX
62024CJ0744
Finality
Final, the decision cannot be appealed

Also searched as: Case C-744/24, C-744/24 2026, ECLI:EU:C:2026:337.

The court's own keywords

Reference for a preliminary ruling – Credit agreements for consumers – Directive 2008/48/EC – Article 3(j) – Article 10(2)(f) – The concept of ‘borrowing rate’ – The concept of ‘amount of credit drawn down’ – Article 3(g) – The concept of ‘total cost of the credit to the consumer’ – Charging interest on an amount corresponding to the cost of the credit – Insurance premium.

Interprets

    Core objects in the machine route

    Summary: Final, the decision cannot be appealed

    This page shows the judgment and its core data. Risk assessment, relations, changes, agent answers with reasoning and provenance are open without a key in the machine route.

    Source: NovaCopilot

    Node map: relations between precedents

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    Reading relations …

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    NovaCopilot reasons: a short answer of at most 75 words, built only on our register, with the source right below.

    Common questions

    What compensation do I get for a delayed flight in the EU?How long can I return an online purchase in the EU?Can I ask a company to delete my personal data?What notice period applies under Swedish employment law?

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    Get official document

    Retrieved directly from EUR-Lex when you click. No permanent storage on our side. How it works

    EUR-LexThe Court

    Machine addresses

    id
    eu:c-744-24

    Read from EU:s publikationsbyrå, Cellar (EUR-Lex och CURIA) on 2026-08-22.

    The row repeats what the source states. It is not a summary, not a conclusion about any single case and not legal advice.

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