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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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Assessing Competition in the Financial System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
This diversification is accompanied by cross-selling and the bundling of products into a package for customers, for example an offset account and a credit card with a home loan or ... switch. Examples are ‘honeymoon’ mortgage rates, reduced rates on
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/assessing-competition-in-the-financial-system.html
Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
withstand the direct credit losses they would incur on their housing exposures under such a scenario. ... Housing lending is rightly viewed as lower risk than many other forms of lending, including lending for commercial property investment and
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html
List of Graphs | Submission to the Inquiry into Competition in the Banking and Non-Banking Sectors – August 2015 | Financial Sector |…
27 Aug 2015
Submissions
Graph 6: Use of Debit and Credit Cards – 2013. ... Graph 9: Credit Card Rewards and Interchange Fees.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs.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
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
Interest rates on credit cards have continued to increase relative to the cash rate in recent years. ... The service fees were subsequently being passed on to users of credit cards and other payment instruments through higher merchant prices.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Background: Financial System Trends | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
This form of funding has been exploited by the mortgage securitisers in the past year or so, and could be extended soon to credit card and other relatively standardised receivables. ... The clearest examples are in the payments system where, inter alia,
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/background-financial-system-trends.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
Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
When accessing bank funding, new and young firms use credit cards and personal loans rather than business loans. ... lending. Credit card lending increased for a while after the crisis but there has been no growth over the past two years.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
Payments System Entry Points | International Comparisons of Bank Branches – An Update – April 1998 | Financial Sector | Submissions
1 Apr 1998
Submissions
Footnote. The participating institutions are Adelaide Bank, Advance Bank, Bank of Melbourne, Bendigo Bank, Citibank, Commonwealth Bank, HongkongBank, Metway Bank, and Piccol Credit Union. ... Customers can use their debit and credit cards at the post
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-branches/payments-system-entry-points.html
Factors Influencing Competition | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial …
10 Jul 2008
Submissions
and more recently, foreign-owned banks, along with some other smaller players, have been at the forefront of introducing no-frills credit cards. ... It has also established access regimes for the MasterCard and Visa credit card schemes as well as the
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/factors-influencing-competition.html