Duncan, I'm not sure if I fully agree. The part (section (b)) that you are referring to states that "...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" and the one being acceptance of the lesser amount when making early payment(s). As I understand, the second part of the definition suggests a continuation of payments happening "over a period of time". Thus, if you engage in an agreement with monhtly payments (with an incentive of a lesser amount when paid by the due date) it would fall under teh ambit of the NCA. If however I buy something (once-off) and get discount when paying before the due date, it cannot be regarded as a credit agreement or incidental credit agreement: that would mean chaos!
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