means an agreement, irrespective of its form, in terms of which an account was tendered for goods or services that have been provided to the consumer, or goods or services that are to be provided to a consumer over a period of time and either or both of the following conditions apply—
| (a) | a fee, charge or interest became payable when payment of an amount charged in terms of that account was not made on or before a determined period or date; or |
| (b) | two prices were quoted for settlement of the account, the lower price being applicable if the account is paid on or before a determined date, and the higher price being applicable due to the account not having been paid by that date. |