Judgment_paragraph 69 · Profi Credit Polska S.A. and Others v QJ and Others (C-84/19, C-222/19, C-252/19)

69Yet, the exact scope of ‘main subject matter’ and ‘price’ within the meaning of Article 4(2) of Directive 93/13 cannot be determined by the concept of ‘the total cost of the credit to the consumer’ within the meaning of Article 3(g) of Directive 2008/48 (judgment of 26 February 2015, Matei, C‑143/13, EU:C:2015:127, paragraph 47). Thus, the fact that different types of costs or a ‘commission’ are included in the total cost of consumer credit is not decisive for the purposes of establishing that those costs fall within the essential obligations of the credit agreement.