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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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Method
11 Sep 2015
RDP
2015-01
and P and C are the estimated interest payments on personal and credit card debt, respectively. ... Losses are assumed to be borne in order of credit cards, other personal loans and mortgages; this puts downward pressure on LGDs for housing loans and
https://www.rba.gov.au/publications/rdp/2015/2015-01/method.html
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The Transmission of Monetary Policy through Banks' Balance Sheets | Conference – 2018
12 Apr 2018
Conferences
Large business (variable). 0.83. 0.72. 0.75. 1.24. Credit card (variable). 0.36. ... Instead, changes in these spreads are determined by changes in perceptions of risk (such as credit risk or liquidity risk).
https://www.rba.gov.au/publications/confs/2018/brassil-cheshire-muscatello.html
The Rise in US Household Indebtedness: Causes and Consequences | Conference – 2007
20 Aug 2007
Conferences
Debt holding can also rise if households use credit cards instead of cash and cheques for a larger share of transactions, perhaps because effective interest rates or some other cost of ... Meanwhile, aggregate debt associated with credit cards, consumer
https://www.rba.gov.au/publications/confs/2007/dynan-kohn.html
The ATM Market in Australia
31 Dec 2012
RDP
2012-03
card. Schwartz et al(2008) make an allowance for the issuer costs of credit card advances, which reflect the cost of the payment function for these transactions. ... If the costs of credit functions are included, the weighted-average card issuer cost is
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html
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Appendix B: Variable Definitions
31 Dec 2003
RDP
2003-08
household gross income (%). MORTGAGE DEBT = household mortgage repayments as a proportion of total weekly household disposable income (%). CREDIT CARDS = number of credit cards in the household. CREDIT CARD INTEREST = 1 if ... household pays interest on
https://www.rba.gov.au/publications/rdp/2003/2003-08/appendix-b.html
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Reduced-form Model
6 May 2018
RDP
2018-05
In many senses, this is quite similar to an idiosyncratic credit supply shock. ... The companies facing higher interest rates could be relying on more expensive forms of borrowing, such as credit cards or overdrafts, rather than bank loans or corporate
https://www.rba.gov.au/publications/rdp/2018/2018-05/reduced-form-model.html
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Methodology
2 Dec 2009
RDP
2009-07
This accounts for the possibility that households who obtain a credit card may do so in order to fund greater consumption. ... We do not account for the effect that servicing any credit card debt will have on consumption.
https://www.rba.gov.au/publications/rdp/2009/2009-07/methodology.html
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The Role of Institutional Investors in the Evolution of Financial Structure and Behaviour | Conference – 1996
9 Jul 1996
Conferences
Banks, for example, may offer cheque accounts, cash cards and wire transfers, while money market funds may also offer transactions services or non-financial firms may offer credit cards. ... Lack of diversification, credit risk on the assets held, use of
https://www.rba.gov.au/publications/confs/1996/davis.html
A Rebalancing Chinese Economy: Challenges and International Implications | Conference – 2016
18 Mar 2016
Conferences
This surplus saving was mostly reduced by a step rise in the investment rate, as Chinese policymakers hastened to boost growth via a massive credit stimulus. ... Total credit to the non-financial private sector jumped from 116 per cent in 2008 to 191 per
https://www.rba.gov.au/publications/confs/2016/ma-roberts-kelly.html
Appendix A: Reconciliation with Mian et al (2015)
1 Nov 2016
RDP
2016-10
Footnote. Mian et al also use credit card data in their analysis. ... Unfortunately we do not have access to credit card data. The materials on this webpage are subject to copyright and their use is subject to the terms and conditions set out
https://www.rba.gov.au/publications/rdp/2016/2016-10/appendix-a.html
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