In an effort to encourage greater customer loyalty, Maria has come up with a scheme where customers.

In an effort to encourage greater customer loyalty, Maria
has come up with a scheme where customers at The Lame Duck can apply to join
the Monthly Munchers Club. In return for payment of a monthly fee, the
customers only pay for their meals at the end of the month. At the end of the
month they are emailed an invoice for the total cost of their meals for the
month plus the monthly fee in the amount of 7 per cent of the cost of their
meals. The invoice is payable within 7 days. Is this scheme regulated by the
National Credit Code?

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