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RBA Glossary definition for charge card
charge card – A charge card is a card whose holder has been granted a non-revolving credit line enabling the holder to make purchases and possibly make cash advances. A charge card does not offer extended credit; the full amount of any debt incurred must be settled at the end of a specified period.
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Domestic Financial Markets
10 Nov 2008
SMP
– November 2008
The guarantee scheme will commence on 28 November; up until that date, eligible deposits and wholesale funding will be guaranteed without charge. ... and low-rate credit cards have risen by 8 basis points and 34 basis points respectively.
https://www.rba.gov.au/publications/smp/2008/nov/dom-fin-mkts.html
Payments System Issues | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
The structure of the business is similar in many respects to that of the long-established charge card companies, American Express and Diners Club, which offer their cardholders a means of ... The payment is processed through the credit card clearing and
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/payments-system-issues.html
Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
Banks also compete on fees and charges, other account-related services, innovation and new product offerings. ... As banks increased their share of deposit funding through the financial crisis, and raised the relative interest rate on deposits, they also
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html
The Next Ten Years | Supplementary Submission to the Financial System Inquiry – 13 January 1997 | Financial Sector | Submissions
13 Jan 1997
Submissions
The US experience suggests that credit card receivables might go down this path, but it is hard to see much beyond that. ... Some of these, such as the provision of credit-based payments instruments, have long been open to competition from non-banks such
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/next-ten-years.html
Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
switch. Examples are ‘honeymoon’ mortgage rates, reduced rates on credit card balance transfers and bonus interest rates offered for an initial period on new deposit accounts. ... Concentration has subsequently declined modestly in the housing loan,
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Personal Lending Market | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector…
10 Jul 2008
Submissions
Download 148. KB. Competitive pressures have also been evident in the market for personal credit, particularly credit cards, over recent years. ... These no-frills cards are likely to appeal most to people who do not pay off their credit card balance in
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/personal-lending-market.html
Assessment of Prudential Supervision Arrangements | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
name. Even among deposit-takers it might, in principle, be quite appropriate for different capital charges to apply to similar assets. ... to the advantage of banks with higher-risk portfolios (since, other things being equal, both institutions face the
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/assessment-prudential-supervision-arrangements.html
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Price competition can include the interest rate attached to a product, as well as fees and charges. ... Since 2010, bad and doubtful debt charges of Australian banks have declined, supporting profits.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Appendix A: Trends in the Australian Financial System | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector |…
6 Sep 1996
Submissions
A by-product of this technology, however, and of banks' relatively low transaction charges, has been a greatly increased capacity for bank customers to make low-value transactions. ... The third main development was the introduction of the Superannuation
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/appendix-a.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Housing lending is rightly viewed as lower risk than many other forms of lending, including lending for commercial property investment and development, corporate lending, small business lending, and credit card and ... These institutions charge an
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html