Judgment of the Court (Ninth Chamber) of 21 March 2024.#S.R.G. v Profi Credit Bulgaria EOOD.#Reference for a preliminary ruling – Consumer protection – Consumer credit agreements – Directive 2008/48/EC – Article 3(g), Article 10(2)(g) and Article 23 – Total cost of the credit to the consumer – No indication of the relevant costs – Penalty – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 3(1), Article 4(2), Article 6(1) and Article 7(1) – Point 1(o) of the annex to Directive 93/13/EEC – Services ancillary to a credit agreement – Terms giving priority to the examination of the credit application of a consumer purchasing those services and to the making available of the sum borrowed as well as providing that consumer with the option of deferring or rescheduling the monthly loan instalments, in return for payment of additional costs.#Case C-714/22.