0. Consumer credit agreements are distinct from 'personal credit agreements'.
They are agreements subject to the prescribed financial limits.

1. Restricted use credit agreement (as opposed to 'unrestricted use credit agreement', i.e. personal bank loans for no par- ticular purpose). They include transactions (such as hire-purchase, credit sale, or conditional sale) where the credit is for a particular purpose.

2. Debtor-creditor-supplier agreements.
a) Agreements whereby a supplier himself gives credit to a purchaser or hirer.
b) Agreements between a third party and a purchaser, made under pre-existing arrangements with a supplier - eg. the typical case of purchase of a car by hire-purchase through a dealer and a finance company.

3. Credit token agreements: These are agreements for the provision of credit in connection with the use of a credit token.
A credit token is a card, check, voucher, coupon, stamp, form, booklet, or other document or thing given to an individual by a person carrying on a consumer credit business who undertakes that he or another person will supply cash, goods and service to the individual.
That includes credit cards (but not check cards, which entail a consumer credit agreement; neither debit cards). Credit includes a cash loan and any other form of financial accommodation; it may be a 'running account' credit or a 'fixed-sum' credit: examples for the former are bank overdrafts and credit cards; examples of the latter are bank loans, pawnbrokers, etc.

4. Licensing of credit and hire business
Consumer credit and consumer hire businesses which deal in regulated transactions must be licensed.