31.—(1) A credit agreement for a cash loan, other than an advance on a current account, or a credit card account shall contain a statement of the following—

(a) the amount of the credit lent under the agreement,

(b) the date the credit is to be advanced, (if known),

(c) the amount of each repayment instalment,

(d) the rate of interest charged and the APR,

(e) the conditions under which the APR may be changed,

(f) any charges not included in the calculation of the APR but which have to be paid by the borrower in certain given circumstances,

(g) the number of repayment instalments,

(h) the date, or the method of determining the date, upon which each repayment instalment is payable,

(i) the total amount payable in respect of the loan,

(j) the date of expiry of the loan,

(k) the means and the cost of any termination by the borrower of the agreement before the final repayment instalment.

(2) A credit agreement operated by means of a credit card or a running account shall contain a statement of—

(a) the amount of the credit limit, if any, F75[at the commencement of the agreement and any conditions in relation to any variation of the limit,]

(b) the rate of interest charged and the APR,

(c) the terms of use and repayment, and

(d) the means and the cost of termination of the agreement.