{"id":4094,"date":"2023-06-19T16:41:58","date_gmt":"2023-06-19T19:41:58","guid":{"rendered":"https:\/\/marcelcolares.adv.br\/?p=4094"},"modified":"2024-10-09T16:42:34","modified_gmt":"2024-10-09T19:42:34","slug":"cancelamento-indevido-de-cartao-de-credito-gera-indenizacao-2","status":"publish","type":"post","link":"https:\/\/marcelcolares.adv.br\/?p=4094","title":{"rendered":"Cancelamento indevido de cart\u00e3o de cr\u00e9dito gera indeniza\u00e7\u00e3o"},"content":{"rendered":"<p>Um banco foi condenado a pagar R$ 3.300 de indeniza\u00e7\u00e3o por danos morais a um homem que teve o cart\u00e3o de cr\u00e9dito cancelado indevidamente. A decis\u00e3o, publicada no Di\u00e1rio da Justi\u00e7a Eletr\u00f4nico desta ter\u00e7a (13), \u00e9 do juiz Durval Mendon\u00e7a J\u00fanior, do 2\u00ba Juizado de Arapiraca.<br \/>\nDe acordo com o autor da a\u00e7\u00e3o, o cart\u00e3o de cr\u00e9dito foi cancelado de forma abrupta, mesmo estando v\u00e1lido e inexistindo pend\u00eancia financeira. Por conta do ocorrido, ele ingressou com a\u00e7\u00e3o na Justi\u00e7a.<br \/>\nO banco, em sua defesa, sustentou que o cancelamento do servi\u00e7o est\u00e1 sujeito a crit\u00e9rios internos da institui\u00e7\u00e3o. Para o juiz, essa alega\u00e7\u00e3o n\u00e3o \u00e9 verdadeira.<br \/>\n&#8220;De acordo com os imperativos do C\u00f3digo de Defesa do Consumidor, n\u00e3o \u00e9 dado ao prestador do servi\u00e7o sua abrupta interrup\u00e7\u00e3o sem raz\u00f5es relevantes&#8221;, afirmou.<br \/>\nO magistrado destacou ainda que, mesmo que a empresa tivesse raz\u00f5es suficientes para cancelar unilateralmente o servi\u00e7o, o consumidor deveria ter sido devidamente informado e advertido com anteced\u00eancia.<br \/>\n&#8220;A requerida nada demonstra nesse sentido, limitando-se a afirmar que o cancelamento unilateral \u00e9 procedimento l\u00edcito, o que n\u00e3o se coaduna ao entendimento dominante dos tribunais p\u00e1trios&#8221;.<br \/>\nAl\u00e9m da indeniza\u00e7\u00e3o, o banco dever\u00e1 reativar o servi\u00e7o de cart\u00e3o de cr\u00e9dito do cliente, no prazo de dez dias, sob pena de pagar multa di\u00e1ria de R$ 100, at\u00e9 o limite de R$ 3.000.<br \/>\nProcesso: 0701608-78.2023.8.02.0058<br \/>\nFonte: TJAL<br \/>\n<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/cancelamento\/\">#cancelamento<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/cart%C3%A3odecr%C3%A9dito\/\">#cart\u00e3odecr\u00e9dito<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/processo\/\">#processo<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/indeniza%C3%A7%C3%A3o\/\">#indeniza\u00e7\u00e3o<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/danosmorais\/\">#danosmorais<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/cdc\/\">#CDC<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/consumidor\/\">#consumidor<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/tjrs\/\">#TJRS<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/tjal\/\">#TJAL<\/a>\u00a0<a class=\"x1i10hfl xjbqb8w x1ejq31n xd10rxx x1sy0etr x17r0tee x972fbf xcfux6l x1qhh985 xm0m39n x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz  _aa9_ _a6hd\" tabindex=\"0\" role=\"link\" href=\"https:\/\/www.instagram.com\/explore\/tags\/stj\/\">#STJ<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Um banco foi condenado a pagar R$ 3.300 de indeniza\u00e7\u00e3o por danos morais a um homem que teve o cart\u00e3o de cr\u00e9dito cancelado indevidamente. A decis\u00e3o, publicada no Di\u00e1rio da Justi\u00e7a Eletr\u00f4nico desta ter\u00e7a (13), \u00e9 do juiz Durval Mendon\u00e7a J\u00fanior, do 2\u00ba Juizado de Arapiraca. De acordo com o autor da a\u00e7\u00e3o, o cart\u00e3o de cr\u00e9dito foi cancelado de forma abrupta, mesmo estando v\u00e1lido e inexistindo pend\u00eancia financeira. Por conta do ocorrido, ele ingressou com a\u00e7\u00e3o na Justi\u00e7a. O banco, em sua defesa, sustentou que o cancelamento do servi\u00e7o est\u00e1 sujeito a crit\u00e9rios internos da institui\u00e7\u00e3o. Para o juiz, essa alega\u00e7\u00e3o n\u00e3o \u00e9 verdadeira. &#8220;De acordo com os imperativos do C\u00f3digo de Defesa do Consumidor, n\u00e3o \u00e9 dado ao prestador do servi\u00e7o sua abrupta interrup\u00e7\u00e3o sem raz\u00f5es relevantes&#8221;, afirmou. O magistrado destacou ainda que, mesmo que a empresa tivesse raz\u00f5es suficientes para cancelar unilateralmente o servi\u00e7o, o consumidor deveria ter sido devidamente informado e advertido com anteced\u00eancia. &#8220;A requerida nada demonstra nesse sentido, limitando-se a afirmar que o cancelamento unilateral \u00e9 procedimento l\u00edcito, o que n\u00e3o se coaduna ao entendimento dominante dos tribunais p\u00e1trios&#8221;. Al\u00e9m da indeniza\u00e7\u00e3o, o banco dever\u00e1 reativar o servi\u00e7o de cart\u00e3o de cr\u00e9dito do cliente, no prazo de dez dias, sob pena de pagar multa di\u00e1ria de R$ 100, at\u00e9 o limite de R$ 3.000. Processo: 0701608-78.2023.8.02.0058 Fonte: TJAL #cancelamento\u00a0#cart\u00e3odecr\u00e9dito\u00a0#processo\u00a0#indeniza\u00e7\u00e3o\u00a0#danosmorais\u00a0#CDC\u00a0#consumidor\u00a0#TJRS\u00a0#TJAL\u00a0#STJ<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4094","post","type-post","status-publish","format-standard","hentry","category-sem-categoria"],"_links":{"self":[{"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=\/wp\/v2\/posts\/4094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4094"}],"version-history":[{"count":1,"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=\/wp\/v2\/posts\/4094\/revisions"}],"predecessor-version":[{"id":4095,"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=\/wp\/v2\/posts\/4094\/revisions\/4095"}],"wp:attachment":[{"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/marcelcolares.adv.br\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}