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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

The Rise in US Household Indebtedness: Causes and Consequences | Conference – 2007

20 Aug 2007 Conferences
Karen E Dynan and Donald L Kohn
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 Transmission of Monetary Policy through Banks' Balance Sheets | Conference – 2018

12 Apr 2018 Conferences
Anthony Brassil, Jon Cheshire and Joseph Muscatello
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

Measuring Productivity in the Australian Banking Sector | Conference – 1995

10 Jul 1995 Conferences
Alan Oster and Lawrence Antioch
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

Panel Discussion: What is the Future for Small Business? | Conference – 2015

19 Mar 2015 Conferences
After paying $250, we had a logo and some business cards. ... goal and charges everyone's credit cards, the risk is back on the banks.
https://www.rba.gov.au/publications/confs/2015/henderson-jeffreys-carnell.html

The Sub-prime Crisis: Causal Distortions and Regulatory Reform | Conference – 2008

14 Jul 2008 Conferences
Adrian Blundell-Wignall and Paul Atkinson
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

A Rebalancing Chinese Economy: Challenges and International Implications | Conference – 2016

18 Mar 2016 Conferences
Guonan Ma, Ivan Roberts and Gerard Kelly
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

Banking Concentration, Financial Stability and Public Policy | Conference – 2007

20 Aug 2007 Conferences
Kevin Davis
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

Introduction | Conference – 2015

19 Mar 2015 Conferences
John Simon
Are other sources of finance, such as trade credit, personal credit cards and mortgages just as useful? ... Thus, they conclude, trade credit has little scope to replace bank debt during credit crunches.
https://www.rba.gov.au/publications/confs/2015/intro-2015.html

Financial Markets, Institutions and Liquidity | Conference – 2013

19 Aug 2013 Conferences
Franklin Allen and Elena Carletti
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