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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Household and Business Finances
4 Oct 2019
FSR
– October 2019
The progressive expansion of Comprehensive Credit Reporting to cover mortgages, as well as credit cards, is unlikely to meaningfully reduce credit supply. ... More recently, the increased use of buy-now-pay-later services may be contributing to a decline
https://www.rba.gov.au/publications/fsr/2019/oct/household-business-finances.html
1. The Global and Macro-financial Environment
9 Oct 2023
FSR
- October 2023
PDF
917KB
https://www.rba.gov.au/publications/fsr/2023/oct/pdf/01-global-financial-environment.pdf
Review of Card Surcharging: A Consultation Document - June 2011
31 Jan 2012
Consultations
PDF
596KB
Payments System Board Consultation on Card Surcharging
https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/pdf/201106-review-card-surcharging.pdf
Financial Stability Review
1 Apr 2004
FSR
PDF
611KB
Credit cards. Sources: ABS; RBA. Reserve Bank of Australia. 7. of household disposable income; prior to this, the usual pattern was for the household sector to inject equity into the housing ... Growth in credit card cash advances – another potential
https://www.rba.gov.au/publications/fsr/2004/mar/pdf/0304.pdf
Background | Review of Card Surcharging: A Consultation Document June 2011 | Consultations
7 Jun 2011
Consultations
Background. In 2003, the Reserve Bank began implementing reforms to the debit and credit card systems in Australia. ... Footnotes. The Standard titled Merchant Pricing for Credit Card Purchases and the Standard titled The ‘Honour All Cards’ Rule in
https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/background.html
FSR March 2007 List of tables
10 Mar 2007
FSR
– March 2007
Year-ended growth. Jan-07. Jan-06. Fixed. 52.3. 14.5. 9.5. Credit card. 27.0. ... 13.1. 11.8. Non-credit card revolving. 20.7. 7.1. 8.1. of which: secured by housing.
https://www.rba.gov.au/publications/fsr/2007/mar/tables.html
Domestic Regulatory Developments
8 Apr 2022
FSR
– April 2022
In conjunction with the information paper, APRA conducted a public consultation on an update of its credit risk management prudential standard. ... These are the Mastercard debit and credit card systems, the Visa debit and credit card systems, the EFTPOS
https://www.rba.gov.au/publications/fsr/2022/apr/regulatory-developments.html
Financial Stability Review
10 Feb 2020
FSR
April 2018
PDF
2840KB
https://www.rba.gov.au/publications/fsr/2018/apr/pdf/financial-stability-review-2018-04.pdf
The Australian Financial System
10 Sep 2007
FSR
– September 2007
Strong competition has also been evident over recent years in the personal lending market, especially in credit cards. ... credit card debt, from nearly 85 per cent five years ago.
https://www.rba.gov.au/publications/fsr/2007/sep/aus-fin-sys.html
Financial Intermediaries
10 Mar 2007
FSR
– March 2007
Strong competition is also evident in the personal lending market, especially in credit cards. ... cards. Like other segments of the loan market, competition has been spurred by smaller players and newer entrants – foreign-owned banks, for example,
https://www.rba.gov.au/publications/fsr/2007/mar/fin-intermed.html