Considerando que n\u00e3o ficou comprovada a cobran\u00e7a abusiva de juros remunerat\u00f3rios em contrato de cart\u00e3o de cr\u00e9dito entre um consumidor e a Caixa Econ\u00f4mica Federal (CEF), a 5\u00aa Turma do Tribunal Regional Federal da 1\u00aa Regi\u00e3o (TRF1) manteve a senten\u00e7a que condenou o cliente ao pagamento de R$ 32.082,69, devidamente atualizados com a incid\u00eancia dos juros e corre\u00e7\u00e3o monet\u00e1ria, de acordo com o Manual de C\u00e1lculos da Justi\u00e7a Federal.<\/p>\n\n\n\n
O relator, desembargador federal Carlos Augusto Pires Brand\u00e3o, ao analisar o caso, explicou que \u201co custo das opera\u00e7\u00f5es financeiras varia de acordo com a esp\u00e9cie de cr\u00e9dito concedido, realidade que torna invi\u00e1vel a compara\u00e7\u00e3o de taxas praticadas em contratos de cr\u00e9dito em conta corrente para o uso de cheque especial, com os juros fixados em cart\u00e3o de cr\u00e9dito\u201d.<\/p>\n\n\n\n
Ressaltou o magistrado que, \u201cnos termos do Enunciado 283 do Superior Tribunal de Justi\u00e7a, as empresas administradoras de cart\u00e3o de cr\u00e9dito s\u00e3o institui\u00e7\u00f5es financeiras e por isso os juros remunerat\u00f3rios por elas cobrados n\u00e3o sofrem as limita\u00e7\u00f5es da Lei de Usura*\u201d. Considerou, ainda, o relator que o apelante n\u00e3o logrou \u00eaxito em comprovar que houve excesso no percentual de juros cobrados no contrato estabelecido entre as partes.<\/p>\n\n\n\n
Concluiu o desembargador que n\u00e3o h\u00e1 restri\u00e7\u00e3o legal \u00e0 estipula\u00e7\u00e3o em contratos celebrados com institui\u00e7\u00f5es financeiras de taxa de juros superior a 12% ao ano.<\/p>\n\n\n\n
Nesses termos, o Colegiado, acompanhando o voto do relator, negou provimento \u00e0 apela\u00e7\u00e3o.<\/p>\n\n\n\n
Processo:1021072-79.2019.4.01.3400<\/p>\n\n\n\n
TRF1 18.09.2020<\/p>\n","protected":false},"excerpt":{"rendered":"
Considerando que n\u00e3o ficou comprovada a cobran\u00e7a abusiva de juros remunerat\u00f3rios em contrato de cart\u00e3o…<\/p>\n","protected":false},"author":1,"featured_media":453,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[11,28],"tags":[393,162,391,390,394],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=1733%2C1300&ssl=1","featured_image_urls":{"full":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=1733%2C1300&ssl=1",1733,1300,false],"thumbnail":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?resize=150%2C150&ssl=1",150,150,true],"medium":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=300%2C225&ssl=1",300,225,true],"medium_large":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=640%2C480&ssl=1",640,480,true],"large":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=640%2C480&ssl=1",640,480,true],"1536x1536":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=1536%2C1152&ssl=1",1536,1152,true],"2048x2048":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=1733%2C1300&ssl=1",1733,1300,true],"covernews-slider-full":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?resize=1077%2C715&ssl=1",1077,715,true],"covernews-slider-center":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?resize=522%2C500&ssl=1",522,500,true],"covernews-featured":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?fit=1024%2C768&ssl=1",1024,768,true],"covernews-medium":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?resize=540%2C285&ssl=1",540,285,true],"covernews-medium-square":["https:\/\/i0.wp.com\/blog.bfsadvocacia.com.br\/wp-content\/uploads\/2020\/09\/pexels-photo-2988232.jpeg?resize=375%2C250&ssl=1",375,250,true]},"author_info":{"display_name":"bfsadvocacia","author_link":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/author\/bfsadvocacia\/"},"category_info":"advogado sp<\/a> atualidades jur\u00eddicas<\/a>","tag_info":"atualidades jur\u00eddicas","comment_count":"0","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/posts\/452"}],"collection":[{"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=452"}],"version-history":[{"count":1,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/posts\/452\/revisions"}],"predecessor-version":[{"id":454,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/posts\/452\/revisions\/454"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/media\/453"}],"wp:attachment":[{"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/categories?post=452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.bfsadvocacia.com.br\/index.php\/wp-json\/wp\/v2\/tags?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}