Recital 51

(51) Granting of credit that has not been solicited by the consumer may in some cases be associated with practices that are harmful to the consumer. In that regard, unsolicited granting of credit, including non-requested pre-approved credit cards sent to consumers, the unilateral introduction of a new overdraft facility or overrunning or the unilateral increase in the limit of a consumer’s overdraft, overrunning or credit card, should be prohibited. The unsolicited granting of credit in the form of off-premises contracts as defined in Article 2, point 8 of Directive 2011/83/EU of the European Parliament and of the Council (11) should also be prohibited. The prohibition on unsolicited granting of credit should not prevent creditors and credit intermediaries from advertising or offering credit in the course of a commercial relationship in compliance with Union law on consumer protection and with national measures in compliance with Union law, including advertising and offering credit at the point of sale to finance the purchase of a good or a service.

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Source: EUR-Lex CELLAR · retrieved 2026-07-30 · Text as adopted (Official Journal); later amendments are not incorporated in this text.