Texas Code § 346.102

PERMISSIBLE INTEREST RATE FOR BILLING CYCLE
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Sec. 346.102. PERMISSIBLE INTEREST RATE FOR BILLING CYCLE. (a) A revolving credit account that provides for equal billing cycles may provide for interest for a billing cycle at the rate equal to one-twelfth of the applicable annual interest rate on the average daily balance of the account during that billing cycle.
(b) In any 12-month period, billing cycles are considered to be equal if:
(1) the number of billing cycles in the period does not exceed 12; and
(2) the difference between the length of the longest and the shortest billing cycles in the period does not exceed eight days.

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