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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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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
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
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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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
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
Household-level Determinants of Missed Mortgage Payments
31 Dec 2014
RDP
2014-13
Credit card payment behaviour may also provide some information about mortgage payment behaviour. ... whether the household is ahead, behind or on schedule) and credit card payment behaviour.
https://www.rba.gov.au/publications/rdp/2014/2014-13/household-level-determinants.html
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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
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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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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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