(a) "credit" means the advancing of money, goods or services to or on behalf of another for repayment at a later time, whether or not there is a cost of borrowing, and includes variable credit; and
(b) "unsolicited goods" means personal property provided to a person who did not request it, but does not include
(i) personal property that the recipient knows or ought to know is intended for another person, or
(ii) personal property supplied under a written contract to which the recipient is a party that provides for the periodic supply of personal property to the recipient without further solicitation,