Judgment of the Court (Seventh Chamber) of 23 April 2026.#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