Queensland Consolidated Acts Queensland Consolidated Acts(1) Although a credit contract has been made, the debtor may nevertheless, by written notice to the credit provider, terminate the contract unless--
(a) any credit has been obtained under the contract; or
(b) a card or other means of obtaining credit provided to the debtor by the credit provider has been used to acquire goods or services for which credit is to be advanced under the contract.
(2) Nothing in this section prevents the credit provider from retaining or requiring payment of fees or charges incurred before the termination and which would have been payable under the credit contract.