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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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Non-technical summary for ‘The Role of Collateral in Borrowing’
20 Jan 2021
RDP
2021-01
Uncollateralised loans – for example, credit cards – involve no pledged security, so the lender has more to lose if the borrower defaults. ... As well as mortgages and credit cards, banks also frequently make collateralised and uncollateralised loans
https://www.rba.gov.au/publications/rdp/2021/2021-01/non-technical-summary.html
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Estimation Results
31 Dec 2007
RDP
2007-05
Other instruments considered were the initial level of owner-occupied mortgage debt at the start of the loan, the number of credit cards and measures of how much financial risk the ... The number of credit cards and the measures of willingness to take
https://www.rba.gov.au/publications/rdp/2007/2007-05/estimation-results.html
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Data
31 Dec 2013
RDP
2013-04
This argument is supported by the cross-tabulations in Figure 2, which show the mean ratios of home loans to home prices and the mean ratios of unsecured credit card debts ... For these reasons, even the positive correlation between credit constraints
https://www.rba.gov.au/publications/rdp/2013/2013-04/data.html
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Is the Phillips Curve Still a Curve? Evidence from the Regions
31 Aug 2021
RDP
2021-09
https://www.rba.gov.au/publications/rdp/2021/2021-09/full.html
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Appendix B: Auxiliary Regressions
12 Dec 2014
RDP
2014-03
0.44. 0.87. Number of credit cards. 0.23. 0.05. Personal credit status. ... No of credit cards. 3.9. 3.7. 0.6. 3.8. 3.8. 0.2. Personal debt.
https://www.rba.gov.au/publications/rdp/2014/2014-03/appendix-b.html
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Preliminary Analysis
31 Dec 2003
RDP
2003-09
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
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References
1 Feb 1992
RDP
9202
Download the Paper 635. KB. Ausubel, L.M. (1991), “The Failure of Competition in the Credit Card Market”, American Economic Review, 81:1 50–81. ... Gilbert, R.A. (1984), “Bank Market Structure and Competition: A Survey”, Journal of Money,
https://www.rba.gov.au/publications/rdp/1992/9202/references.html
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Conclusions
17 Apr 2009
RDP
2009-03
Most notably it allows for flat rather than per-transaction pricing by platforms to consumers, and endogenises card holding and acceptance decisions by both consumers and merchants. ... It thus represents a fundamental change (and one that better matches
https://www.rba.gov.au/publications/rdp/2009/2009-03/conclusions.html
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Research Discussion Papers 2011–2020
31 Dec 2011
RDP
Richard Finlay, Andrew Staib and Max Wakefield. RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases. ... Clare Noone. RDP 2012-02 The Role of Credit Supply in the Australian Economy.
https://www.rba.gov.au/publications/rdp/2011-2020.html
Financial Decisions and Home Valuation Differences
12 Dec 2014
RDP
2014-04
Specifically, we consider the average level of renters' spending, non-housing debt (credit cards and personal loans) and the average share of wealth held in equities (Table 4).
https://www.rba.gov.au/publications/rdp/2014/2014-04/fin-dec-hom.html