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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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Discussion | Conference – 2015
19 Mar 2015
Conferences
One participant noted that it is common for personal credit cards to be issued with new home loans and that these might be used as a cash-flow tool by small ... Another participant suggested that the application process for a personal credit card is
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read-disc.html
Banking Concentration, Financial Stability and Public Policy | Conference – 2007
20 Aug 2007
Conferences
1,294. Royal Bank of Scotland. 1,119. Crédit Agricole. 386. BankAmerica. 115. ... sector of small credit unions and building societies (CUBs), mortgage originators and securitisers, and credit card providers.
https://www.rba.gov.au/publications/confs/2007/davis.html
Financial Intermediaries
10 Sep 2006
FSR
– September 2006
Robust competition in personal lending, particularly credit cards, is also evident. ... An increasing number of lenders, including each of the five largest banks, have begun offering low-rate credit cards with interest rates between 9 and 13 per cent,
https://www.rba.gov.au/publications/fsr/2006/sep/fin-intermed.html
Measuring Productivity in the Australian Banking Sector | Conference – 1995
10 Jul 1995
Conferences
This has been manifested in ATMs and credit cards, and more recently, the widespread installation of EFTPOS and the introduction of debit and smart cards.
https://www.rba.gov.au/publications/confs/1995/oster-antioch.html
Financial Stability Review – September 2004
10 Sep 2004
FSR
- September 2004
https://www.rba.gov.au/publications/fsr/2004/sep/
The Global Financial Environment
10 Mar 2012
FSR
– March 2012
However, authorities continue to be concerned about the availability of credit for small businesses. ... incentives for households to repay principal on their mortgages and use debit cards rather than credit cards.
https://www.rba.gov.au/publications/fsr/2012/mar/global-fin-env.html
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
The Sub-prime Crisis: Causal Distortions and Regulatory Reform | Conference – 2008
14 Jul 2008
Conferences
credit ratings, which led to problems associated with banks' dealings with each other. ... counterparty credit policies are easy in good times and tough in bad; and.
https://www.rba.gov.au/publications/confs/2008/blundell-wignall-atkinson.html
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
Financial Markets, Institutions and Liquidity | Conference – 2013
19 Aug 2013
Conferences
Most of these papers use balance sheet information to estimate bilateral credit relationships. ... In their model, firms face liquidity shocks and rely on bank credit to raise external finance.
https://www.rba.gov.au/publications/confs/2013/allen-carletti.html