In this chapter:
(1) "Billing cycle" means the interval between periodic billing statements.
(2) "Credit card" means a card, confirmation, or identification or check or other written request by which a customer obtains access to a revolving credit account.
(3) "Creditor" means an authorized lender who directly or through another who honors a credit card issued by the person, extends credit, including money loaned, to a customer under an agreement that provides for the use of a credit card.
(4) "Customer" means a person who has accepted a revolving credit account.