Case C-744/24, Bank Polska Kasa Opieki: Judgment of the Court (Seventh Chamber) of 23 April 2026 (request for a preliminary ruling from the Sąd Rejonowy we Włodawie – Poland) – P.W. v Bank Polska Kasa Opieki S.A. (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