- Início
- Livros E Revistas
- Execução Em Renegociação de Dívidas - 4ª Edição
- Juros. Particularidades E Controvérsias
Juros. Cálculos nos cartões de crédito e no cheque especial. Metodologias diferentes
Autor | Hélio Apoliano Cardoso |
Páginas | 37-41 |
Page 37
A questão que envolve o presente tópico diz respeito ao critério de limitação dos juros remuneratórios aplicáveis aos contratos de cartão de crédito e cheque especial, para se vislumbrar quando ocorre abuso nas suas respectivas cobranças.
acerca da limitação dos juros remuneratórios, o Supremo Tribunal Federal já sumulou a matéria, entendendo que “as disposições do Decreto 22.626/33 não se aplicam às taxas de juros e aos outros encargos cobrados nas operações realizadas por instituições públicas ou privadas, que integram o Sistema Financeiro Nacional” (Enunciado 596), panorama que vige desde a revogação da Lei de Usura em relação às instituições financeiras, pela Lei 4.595/1964, na forma da disciplina geral sobre a matéria, pelo rito do recurso repetitivo, nos autos do REsp 1.061.530/RS (2ª Seção, Rel. Ministra Nancy Andrighi, unânime, DJe de 10.3.2009).
Ainda que aplicável a Lei 8.078/1990, a Segunda Seção do STJ (REsp 407.097/RS, Rel. Ministro Antônio de Pádua Ribeiro, por maioria, DJU de 29.9.2003) firmou o entendimento de que a cláusula referente à taxa de juros só pode ser alterada se reconhecida sua abusividade em cada caso concreto, mediante dilação probatória específica, não tendo influência para tal propósito a estabilidade econômica do período nem o percentual de 12% ao ano, já que taxa compatível com a média de mercado, que por si só não se considera potestativa, não é excessiva para efeitos de validade do contrato.
Nesse sentido o enunciado 382 da Súmula do STJ.
A jurisprudência do STJ também é pacífica no sentido de que mesmo para os contratos firmados ou renovados após 11.1.2003, ainda que automaticamente, vigoram os juros remuneratórios
Page 38
livremente pactuados, porquanto regidos por norma especial e equiparada a lei complementar (Lei 4.595/1964), que prevalece sobre o novo Código Civil, de caráter genérico, permanecendo aplicável a Súmula 596-STF (2ª Seção, REsp 680.237/RS, Rel. Ministro Aldir Passarinho Junior, unânime, DJU de 15.3.2006).
Pelo que se vê dos argumentos anteriormente descritos, o tema juros no Brasil merece mesmo cuidadosa reflexão.
Além de sua patente desumanidade, estes também se apresentam diferentes entre...
Para continuar a ler
PEÇA SUA AVALIAÇÃO- Execução em Renegociação de Dívidas - 4ª Edição
- Juros. Particularidades e Controvérsias
- Introdução
- Novo Código Civil
- Conceito
- Classificação
- Juros decorrentes da mora
- Divergências doutrinárias
- Cumulatividade de juros moratórios e compensatórios
- Liberdade na fixação das taxas de juros
- Revogação do § 3º do artigo 192 da CR/88
- Os juros e o novo Código Civil
- Não aplicabilidade da Taxa SELIC
- Taxas de juros não convencionadas. Procedimento
- Taxas de juros acima de 12% ao ano. Inaplicabilidade da Lei de Usura nº 22.626/33 e aplicação da Lei nº 4.595/64
- Orientação do STJ acerca do percentual e da limitação dos juros
- Observância do prazo mínimo previsto no artigo 5º da MP 2.170/01
- Juros. Cálculos nos cartões de crédito e no cheque especial. Metodologias diferentes
- Cheques. Juros. Em qualquer ação envolvendo cheques os juros de mora contam a partir da primeira apresentação à instituição financeira sacada ou câmara de compensação
- Comissão de permanência. Particularidades e controvérsias definidas pelo recurso repetitivo (recurso especial 1.063.343-RS)
- Opinião do autor
- Reflexões finais
Subscribers can access the reported version of this case.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see a list of all the cited cases and legislation of a document.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see a list of all the documents that have cited the case.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Os assinantes podem ver as versões revisadas da legislação com emendas
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see any amendments made to the case.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see a visualisation of a case and its relationships to other cases. An alternative to lists of cases, the Precedent Map makes it easier to establish which ones may be of most relevance to your research and prioritise further reading. You also get a useful overview of how the case was received.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see the list of results connected to your document through the topics and citations Vincent found.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.