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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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Payment Cards

14 Sep 2020 RDP 2020-06
James Caddy, Luc Delaney and Chay Fisher
The decline in the popularity of credit cards compared to debit cards is consistent with changes in consumers' perceptions of the benefits of holding a credit card. ... All card payments. 3.9. Credit cards. 5.0. Debit cards. 3.4. Reward cardholder status.
https://www.rba.gov.au/publications/rdp/2020/2020-06/payment-cards.html
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The Use of Established Payment Methods | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 |…

7 Jun 2011 Consultations
Because debit cards allow consumers to use their own funds, these changes in attitude are likely to increase debit card use at the expense of credit cards. ... Graph 12. Within credit card payments, the use of American Express and Diners Club cards
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/established-payment-methods.html

Consultations

23 May 2024 Consultations
Index of Consultations
https://www.rba.gov.au/publications/consultations/

Cards

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
The results of the survey also give some interesting insights into debit and credit card use for different demographic groups. ... Similarly, households in the first and second age-adjusted household income quartiles made considerably more payments using
https://www.rba.gov.au/publications/rdp/2014/2014-05/cards.html
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Insights into the Impact of Payment Systems Reforms | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 …

7 Jun 2011 Consultations
Only 36 per cent of consumers indicated they would choose to continue using their MasterCard/Visa credit card. ... Only individuals who owned a MasterCard or Visa credit card were required to respond to this question.
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/impact-payment-systems-reforms.html

Attachment 2 – Draft Variation to the Access Regimes | Proposed Variation to the MasterCard and Visa Access Regimes: Consultation Document…

6 Dec 2013 Consultations
the public interest; and. the financial stability of the designated credit card system. ... under the rules of the Scheme and commonly known as a credit card;.
https://www.rba.gov.au/publications/consultations/20131206-prop-variations-to-mc-visa-access-regimes/attachment-2.html

Central Clearing of OTC Derivatives in Australia: A discussion paper issued by the Council of Financial Regulators – 2011 | Consultations

7 Jun 2011 Consultations
REFORMS: Credit Cards; Debit Cards; The ATM System; ATM Fee Reforms; Review of Card Payment Systems Reforms; Account Switching; POLICY FRAMEWORK: Payments System Board; Core Principles for Systemically Important Payment Systems; Standards for
https://www.rba.gov.au/publications/consultations/201106-otc-derivatives/

Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
RDP 2015-06: Credit Losses at Australian Banks: 1980–2013 2. Measuring Credit Losses. ... It is often also used for lending where a high loss rate is expected and built into the interest margin (credit card lending is one example).
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html
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Credit Loss Modelling

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of households to service debt obligations and, thus, probability of default (Banerjee and ... Indicative of this, there has
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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Payments System Board Consultation on Card Surcharging | Consultations

10 Jun 2011 Consultations
Payments System Board Consultation on Card Surcharging
https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging.html