Search: credit card
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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The Social Costs of Currency Counterfeiting
1 May 2015
RDP
PDF
881KB
Finally, the response of the stock of credit card debt is also positive which suggests that the public also increase their use of credit cards following a shock. ... We would expect the counterfeiting shock to reduce the demand for banknotes and increase
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-05.pdf
Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
RDP
PDF
819KB
High risk credit card borrowers, on the other hand, are more likely to be interest rate sensitive because they fully intend to borrow on their cards. ... When a customer wishes to change credit cards, the new issuer may require her to pay off the balance
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9206.pdf
Reserve Bank of Australia Annual Report 2023
16 Oct 2023
RBA Annual Report
- 2023
PDF
832KB
https://www.rba.gov.au/publications/annual-reports/rba/2023/pdf/payments-system-board.pdf
Reserve Bank of Australia Annual Report 2023
1 May 2024
RBA Annual Report
- 2023
PDF
9575KB
https://www.rba.gov.au/publications/annual-reports/rba/2023/pdf/rba-annual-report-2023.pdf
Read me file for Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
10 Sep 2020
RDP
PDF
457KB
RDP 2020-06 supplementary information
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-read-me.pdf
FINANCIAL INNOVATION BIBLIOGRAPHY compiled by Lindsay F. Boultori and ...
14 Oct 2014
RDP
PDF
2298KB
SASTRY, A.S.R. "The Effects of Credit on Transactions Demand for Cash". ... 76, 1967, pp.889-892. RUSSELL, T. The Economics of Bank Credit Cards.
https://www.rba.gov.au/publications/rdp/1984/pdf/rdp8402.pdf
Where’s the Money‽ An Investigation into the Whereabouts and Uses of Australian Banknotes
11 Dec 2018
RDP
PDF
1641KB
driven by an increasing use of cards (credit and debit) to carry out in-person payments (Figure 2). ... 16. Figure 11: Estimates of Cash Spending. Monthly. Notes: Card payments includes payments made by businesses using debit cards; dashed line indicates
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-12.pdf
Competition Between Payment Systems
15 Apr 2009
RDP
PDF
243KB
14. on some features of competition between four-party credit card schemes (such asMasterCard and Visa). ... Others, bycontrast, may value the flexibility afforded by a credit card relative to a debit cardin managing intra-month cash flow constraints.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf
Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
Mortgage status %%. 2010. Credit card paymentbehaviour. Doesn’tpay off. Pays offNo cardBehindAbout onAhead. ... credit card ordid not always pay off the entire balance of their credit card each month.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Payments System Board Annual Report 2002 - Overview
22 Sep 2005
PSB Annual Report
2002
PDF
81KB
https://www.rba.gov.au/publications/annual-reports/psb/2002/pdf/overview.pdf