There are two types of credit.The first is a running account credit(s.10(a)),whereby the debtor is enabled to receive from time to time,from the creditor or a third party,cash,goods and services to an amount or value such that,taking into account payments made by or to the credit of the debtor,the credit limit(if any)is not at any time exceeded.Thus,running account credit is revolving credit,where the debtor can keep taking credit when he or she wants it subject to a credit limit.An example of this is a credit card facility,e.g.Visa or MasterCard.The second type is fixed-sum credit,defined in s.10(b)as any other facility under a personal credit agreement whereby the debtor is enabled to receive credit.An example here would be a bank loan.