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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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4 April 2023 | Minutes of the Monetary Policy Meeting of the Board
18 Apr 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 4 April 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-04-04.html
2 November 2010 | Minutes of the Monetary Policy Meeting of the Board
16 Nov 2010
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 2 November 2010
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2010/02112010.html
Reduced-form Model
6 May 2018
RDP
2018-05
In many senses, this is quite similar to an idiosyncratic credit supply shock. ... The companies facing higher interest rates could be relying on more expensive forms of borrowing, such as credit cards or overdrafts, rather than bank loans or corporate
https://www.rba.gov.au/publications/rdp/2018/2018-05/reduced-form-model.html
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2 August 2011 | Minutes of the Monetary Policy Meeting of the Board
2 Aug 2011
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 2 August 2011
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2011/02082011.html
Introduction
17 Apr 2009
RDP
2009-02
These assumptions do, however, limit the scope for such analysis to inform our understanding of competition between, say, different types of payment instruments, such as debit versus credit cards. ... Footnotes. An example is the credit card market in
https://www.rba.gov.au/publications/rdp/2009/2009-02/introduction.html
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Appendix A: Data Details
12 Sep 2014
RDP
2014-06
Of course, not everyone pays the average interest rate. Households with few financial assets pay more: they are charged mortgage insurance and they borrow at high rates, for example on credit ... cards, more frequently.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html
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Appendix 1: Unit Root Tests
1 May 1995
RDP
9504
0.48. 0.70. 2.36. 2.73. 2.73. 2.61. Credit card rate. 0.40. 0.06.
https://www.rba.gov.au/publications/rdp/1995/9504/appendix-1.html
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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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7 February 2023 | Minutes of the Monetary Policy Meeting of the Board
21 Feb 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 7 February 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-02-07.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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