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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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List of graphs
10 Sep 2009
FSR
– September 2009
Graph 41: Credit Ratings of the Largest 100 Banking Groups. ... Graph 68: Credit Card Balances.
https://www.rba.gov.au/publications/fsr/2009/sep/graphs.html
The Macroeconomic and Financial Environment
10 Mar 2005
FSR
– March 2005
Credit card debt has increased by around 14 per cent over the year to January, around the average rate of growth for the past three years. ... Notwithstanding historically high levels of debt and interest payments relative to income, arrears on credit
https://www.rba.gov.au/publications/fsr/2005/mar/mac-fin-env.html
The Macroeconomic and Financial Environment
10 Mar 2006
FSR
– March 2006
Credit card debt continues to grow at around 12 per cent per year, around the average rate over the preceding four years. ... Over the past year, total credit card repayments have exceeded total new spending on credit cards, with growth in credit card
https://www.rba.gov.au/publications/fsr/2006/mar/mac-fin-env.html
The Australian Financial System
10 Sep 2014
FSR
– September 2014
especially given that the bulk of bank credit losses in Australia have historically occurred in business lending. ... The pick-up in credit growth has been accompanied by stronger price competition in some loan markets.
https://www.rba.gov.au/publications/fsr/2014/sep/aus-fin-sys.html
The Australian Financial System
10 Mar 2013
FSR
– March 2013
Slow credit growth can pressure banks to compete harder to maintain their overall revenue growth. ... as credit intermediation involving entities and activities outside the prudentially regulated banking system.
https://www.rba.gov.au/publications/fsr/2013/mar/aus-fin-sys.html
The Macroeconomic and Financial Environment
10 Sep 2006
FSR
– September 2006
years. In part, this is explained by the wider availability of low-interest-rate cards, which make it considerably less expensive for individuals to carry credit card debt. ... Recently, growth in credit card balances, particularly those accruing
https://www.rba.gov.au/publications/fsr/2006/sep/mac-fin-env.html
List of graphs
10 Mar 2009
FSR
– March 2009
Graph 38: Credit Ratings of the Largest 100 Banking Groups. ... Graph 67: Spending Using Credit and Debit Cards.
https://www.rba.gov.au/publications/fsr/2009/mar/graphs.html
The Australian Financial System
20 Oct 2015
FSR
– October 2015
In contrast, at around 2–3 per cent over recent years, write-offs on credit card debt and other personal lending have been higher, consistent with some portion of this lending ... Although credit card and personal lending is riskier, it represents only
https://www.rba.gov.au/publications/fsr/2015/oct/aus-fin-sys.html
The Macroeconomic Environment
10 Mar 2004
FSR
– March 2004
Credit-card-arrears – a potentially useful leading indicator of financial stress in the household sector – have also fallen over the past two years, both in absolute terms and as a percentage ... Growth in credit card cash advances – another
https://www.rba.gov.au/publications/fsr/2004/mar/mac-env.html
The Macroeconomic and Financial Environment
10 Sep 2004
FSR
– September 2004
Over the year to July, other personal credit, including credit card debt, increased by 13 per cent. ... This is explored further in the article ‘Asset Securitisation in Australia’.) Similarly, current readings from credit card data, which can
https://www.rba.gov.au/publications/fsr/2004/sep/mac-fin-env.html