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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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Preliminary Analysis

31 Dec 2003 RDP 2003-09
Luci Ellis, Jeremy Lawson and Laura Roberts-Thomson
The average level of household leverage implied by the HILDA data is a little below the level implied by the aggregate credit data, at around 15 per cent for all ... and credit card usage.
https://www.rba.gov.au/publications/rdp/2003/2003-09/preliminary-analysis.html

Econometric Model and Results

31 Dec 2003 RDP 2003-09
Luci Ellis, Jeremy Lawson and Laura Roberts-Thomson
91.0. Semi-detached dwelling. 59.1. Pays off credit card on time. (b). ... 5.6. Has credit card. 35.6. No of bedrooms. 21.3. Took out institutional loan.
https://www.rba.gov.au/publications/rdp/2003/2003-09/econometric-model-and-results.html