Judgment of the Court (First Chamber) of 3 September 2020.#Profi Credit Polska S.A. and Others v QJ and Others.#Requests for a preliminary ruling from the Sąd Rejonowy Szczecin – Prawobrzeże i Zachód w Szczecinie and the Sąd Rejonowy w Opatowie.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Article 1(2) – Scope – National provision providing for the maximum amount of non-interest credit costs – Article 3(1) – Contractual term passing on to the consumer costs of the lender’s business activity – Significant imbalance between the rights and obligations of the parties – Article 4(2) – Obligation to draft contract terms in plain intelligible language – Contractual terms which do not specify the services for which remuneration is sought – Directive 2008/48/EC – Article 3(g) – National legislation laying down a method of calculating the maximum non-interest credit cost which may be charged to the consumer.#Joined Cases C-84/19, C-222/19 and C-252/19.