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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 D: Enhancing the Transparency of Interest Rates
6 Feb 2020
SMP
– February 2020
On average, borrowers pay a much higher interest rate on credit cards, which are a form of unsecured finance, compared with other forms of personal finance. ... However, about half of all other personal loans (i.e. excluding credit cards) are secured
https://www.rba.gov.au/publications/smp/2020/feb/box-d-enhancing-the-transparency-of-interest-rates.html
Domestic Financial Conditions
10 Nov 2023
SMP
– November 2023
Domestic Financial Conditions | Statement on Monetary Policy – November 2023
https://www.rba.gov.au/publications/smp/2023/nov/domestic-financial-conditions.html
Financial Conditions
6 Feb 2024
SMP
– February 2024
Financial Conditions | Statement on Monetary Policy – February 2024
https://www.rba.gov.au/publications/smp/2024/feb/financial-conditions.html
List of tables
10 Feb 2008
SMP
– February 2008
Margin loans. 9.66. 0.33. 0.69. Standard credit cards. 18.57. 0.39. 0.78. ... Low-rate credit cards. 11.76. 0.41. 0.60. Unsecured term loans. 13.89. 0.46.
https://www.rba.gov.au/publications/smp/2008/feb/tables.html
List of tables
10 May 2009
SMP
– May 2009
5.14. 1.07. 3.83. 2.32. Credit unions and building societies. 5.27. 1.10. ... 0.96. Standard credit cards. 17.9. 0.71. 2.03. 0.12. Low-rate credit cards.
https://www.rba.gov.au/publications/smp/2009/may/tables.html
List of tables
10 Aug 2008
SMP
– August 2008
11. Sources: RBA; Thomson Reuters. Table 13: Credit Aggregates. Average monthly growth, Per cent. ... 0.14. 1.57. Standard credit cards. 19.66. 0.14. 1.88. Low-rate credit cards.
https://www.rba.gov.au/publications/smp/2008/aug/tables.html
Developments in the Business of Banking | Conference – 1996
9 Jul 1996
Conferences
The business of providing credit is made up of origination, funding and servicing. ... Electronic funds transfer, automatic teller machines, EFTPOS, increased usage of debit and credit cards, stored value cards, telephone banking and computer banking all
https://www.rba.gov.au/publications/confs/1996/joss.html
Bank Deregulation in Australia: Choice and Diversity, Gainers and Losers | Conference – 1991
21 Jun 1991
Conferences
Bankcard debit/credit card. Enhanced retirement services. 1987. Life insurance. Fixed-rate mortgage lending. ... Non-bank financial institutions and even some non-financial institutions produce payments services, including payment and money orders,
https://www.rba.gov.au/publications/confs/1991/harper.html
Financial Conditions
7 May 2024
SMP
– May 2024
Financial Conditions | Statement on Monetary Policy – May 2024
https://www.rba.gov.au/publications/smp/2024/may/financial-conditions.html
List of tables
10 Feb 2009
SMP
– February 2009
40. – Term Asset-backed Securities Loan Facility. – credit protection to Fed special purpose vehicle. ... 0.04. Standard credit cards. 18.67. 1.08. 1.25. 0.88. Low-rate credit cards.
https://www.rba.gov.au/publications/smp/2009/feb/tables.html