Judgment of the Court (Ninth Chamber) of 22 September 2022.#Zulima v Servicios prescriptor y medios de pagos EFC SAU.#Request for a preliminary ruling from the Juzgado de Primera Instancia de Las Palmas de Gran Canaria.#Reference for a preliminary ruling – Unfair terms in consumer contracts – Revolving credit agreement – Unfairness of the term relating to the rate of remunerative interest – Action brought by a consumer for a declaration that that agreement is void – Satisfaction of that consumer’s claims out of court – Costs incurred having to be borne by the consumer – Principle of effectiveness – National legislation capable of dissuading the consumer from exercising the rights conferred by Directive 93/13/EEC.#Case C-215/21.