South Pacific Credit Card Ltd v Kay - [1986] 2 NZLR 578

Commercial law — Credit contracts — "Incidental services" — Initial joining fee and annual fees for American Express card — Whether payment of initial joining fee and annual fees in addition to cash value of transactions charged to card made the contract a credit contract — Whether the disclosure requirements of the 1981 Act had been complied with — Credit Contracts Act 1981, ss 2, 3, 15, 16, 20, 21 and 22.