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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 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
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
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
Measuring Credit Losses
31 Dec 2015
RDP
2015-06
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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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
Credit Loss Modelling
20 Sep 2022
RDP
2022-03
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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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
List of tables
10 Nov 2008
SMP
– November 2008
0.00. 2.09. Personal loans. Margin loans. 10.12. 0.43. 1.15. Standard credit cards. ... 19.75. 0.08. 1.96. Low-rate credit cards. 13.23. 0.34. 2.06. Unsecured term loans.
https://www.rba.gov.au/publications/smp/2008/nov/tables.html
Domestic Financial Conditions
7 Aug 2020
SMP
– August 2020
The low take-up is consistent with a lack of demand for credit in general. ... The stock of personal credit outstanding has fallen by 6 per cent since February, driven by declines in outstanding balances on credit cards and fixed-term loans.
https://www.rba.gov.au/publications/smp/2020/aug/domestic-financial-conditions.html