Search: credit card
RBA Glossary definition for credit card
credit card – A credit card is a card whose holder has been granted a revolving credit line. The card enables the holder to make purchases and/or cash advances up to a pre-arranged limit. The credit granted can be settled in full by the end of a specified period or in part, with the balance taken as extended credit. Interest may be charged on the transaction amounts from the date of each transaction or only on the extended credit where the credit granted has not been settled in full.
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Box C: Non-conforming Housing Loans
10 Mar 2005
FSR
– March 2005
Some of these are to borrowers who use their housing loans to consolidate numerous personal and credit card debts, while other borrowers may have fallen into arrears on their mortgage repayments ... As the level of credit impairment and loan-to-valuation
https://www.rba.gov.au/publications/fsr/2005/mar/box-c.html
Household and Business Finances in Australia
25 Apr 2023
FSR
- April 2023
PDF
1112KB
https://www.rba.gov.au/publications/fsr/2023/apr/pdf/03-household-business-finances.pdf
Domestic Regulatory Developments
8 Oct 2021
FSR
– October 2021
The CFR closely monitors credit conditions, with housing credit a focus in 2021. ... The Bank issued a consultation paper presenting preliminary conclusions in May 2021, which covered: issuance of dual-network debit cards and promotion of ‘least-cost
https://www.rba.gov.au/publications/fsr/2021/oct/regulatory-developments.html
Financial Intermediaries
10 Sep 2006
FSR
– September 2006
Robust competition in personal lending, particularly credit cards, is also evident. ... An increasing number of lenders, including each of the five largest banks, have begun offering low-rate credit cards with interest rates between 9 and 13 per cent,
https://www.rba.gov.au/publications/fsr/2006/sep/fin-intermed.html
Household and Business Finances
21 Nov 2022
FSR
- April 2022
PDF
1082KB
https://www.rba.gov.au/publications/fsr/2022/apr/pdf/02-household-business-finances.pdf
2. Resilience of Australian Households and Businesses
9 Oct 2023
FSR
- October 2023
PDF
1571KB
https://www.rba.gov.au/publications/fsr/2023/oct/pdf/02-household-business-finances-in-australia.pdf
Box C: Foreign-owned Banks in Australia
10 Mar 2007
FSR
– March 2007
credit in 1994, to around 13 per cent at the end of 2006. ... In personal lending, foreign-owned banks are most active in the credit card market, accounting for around 12 per cent of banks' domestic credit card balances outstanding.
https://www.rba.gov.au/publications/fsr/2007/mar/box-c.html
Credit Quality in the Australian Non-Government Bond Market
19 Apr 2004
FSR
PDF
96KB
As the range of mortgages securitised has broadened to include non-conforming loans, and other assets such as credit-card receivables have begun to be securitised, the proportion of asset-backed ... A-. Orange line shows ratings abstracting from
https://www.rba.gov.au/publications/fsr/2004/mar/pdf/0304-2.pdf
The Global Financial Environment
10 Mar 2012
FSR
– March 2012
However, authorities continue to be concerned about the availability of credit for small businesses. ... incentives for households to repay principal on their mortgages and use debit cards rather than credit cards.
https://www.rba.gov.au/publications/fsr/2012/mar/global-fin-env.html
List of graphs
10 Sep 2004
FSR
– September 2004
Graph A1: Credit Card and Housing Loans Past Due. ... Graph A2: Credit Card Cash Advances.
https://www.rba.gov.au/publications/fsr/2004/sep/graphs.html