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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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Box B: Variable Interest Rates on Housing Loans
10 Mar 2005
FSR
– March 2005
rates and fee waivers on a range of bank products including home loans, credit cards and deposits.
https://www.rba.gov.au/publications/fsr/2005/mar/box-b.html
The Australian Financial System
10 Apr 2018
FSR
– April 2018
This recent improvement was driven by a decline in credit card NPLs. ... Other notable revisions to credit risk would include materially raising risk weights on credit cards for IRB banks, simplifying the capital treatment of small and medium enterprise
https://www.rba.gov.au/publications/fsr/2018/apr/australian-financial-system.html
Household and Business Finances in Australia
9 Oct 2020
FSR
– October 2020
Many have increased their financial resilience through higher mortgage prepayments, paying down personal credit balances, and increasing their savings. ... In aggregate, households have also been paying down balances on credit cards.
https://www.rba.gov.au/publications/fsr/2020/oct/household-business-finances-in-australia.html
The Australian Financial System
10 Mar 2014
FSR
– March 2014
As noted in the September 2013 Review, deterioration in the performance of banks' personal loan portfolios, including credit cards and other personal loans, likely reflects a combination of compositional factors, although ... In addition, a significant
https://www.rba.gov.au/publications/fsr/2014/mar/aus-fin-sys.html
List of graphs
10 Sep 2008
FSR
– September 2008
Graph 41: Credit Ratings of the Largest 100 Banks. ... Graph 58: Indicators of Personal Credit Card Use.
https://www.rba.gov.au/publications/fsr/2008/sep/graphs.html
Boxes
31 Dec 2004
FSR
– 2004
A number of Boxes on topics of special interest are published in the Financial Stabiilty Review. These boxes can be read as stand-alone documents or within the relevant Financial Stability Review.
https://www.rba.gov.au/publications/fsr/2004/boxes.html
Box D: Estimates of Borrowing Capacity from Banks' Online Housing Loan Calculators
10 Mar 2005
FSR
– March 2005
The numbers presented below were derived from the calculators on eight banks' websites, and were estimated for a single borrower with no other loan commitments (including credit card debt) and whose
https://www.rba.gov.au/publications/fsr/2005/mar/box-d.html
The Australian Financial System
10 Sep 2013
FSR
– September 2013
In contrast to banks' housing loan portfolios, the performance of banks' personal loans, including credit cards and other personal loans, has continued to deteriorate. ... Growth in business credit also remains low, consistent with below-average business
https://www.rba.gov.au/publications/fsr/2013/sep/aus-fin-sys.html
The Australian Financial System
10 Mar 2011
FSR
– March 2011
In an environment of slower domestic credit growth, banks may look to expand overseas. ... The average daily value settled in the 9.00 am batch, which includes obligations arising from the clearing of low-value retail payments (such as cheques, debit and
https://www.rba.gov.au/publications/fsr/2011/mar/aus-fin-sys.html
List of graphs
10 Sep 2005
FSR
– September 2005
Graph 19: Credit Cards. ... Graph 3: Domicile of Australian CDO Credit Exposures.
https://www.rba.gov.au/publications/fsr/2005/sep/graphs.html