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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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Competition Between Payment Systems
15 Apr 2009
RDP
PDF
243KB
theevent that a merchant accepts the cards of both platforms, and those who wouldinstead prefer to use card j over card i. ... Hence, theseconsumers face a higher effective per-transaction charge for payments on theirplatform i cards than consumers in ci,
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf
The Future of the Financial System
7 Dec 2006
Conferences
PDF
831KB
RBA Conference Volume 1996
https://www.rba.gov.au/publications/confs/1996/pdf/conf-vol-1996.pdf
The Link between the Cash Rate and Market Interest Rates
1 Dec 2009
RDP
PDF
179KB
The stickiest interest rate is the rate on credit cards. BetweenJanuary 1986 and October 1994, the credit card rate ranged between 14.4 per centand 24.7 per cent whereas the ... of spreads follows a significant reductionin banks' charges for bad and
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9504.pdf
The ATM Market in Australia
31 Dec 2012
RDP
2012-03
If the costs of credit functions are included, the weighted-average card issuer cost is $0.04 higher. ... Following the reforms, cardholders continue to be able to use own-bank ATMs without charge.
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html
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SME Access to Intermediated Credit: What Do We Know and What Don't We Know?
20 Aug 2015
Conferences
PDF
317KB
RBA Conference Volume 2015
https://www.rba.gov.au/publications/confs/2015/pdf/udell.pdf
ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia
28 Jan 2015
RDP
PDF
739KB
issuer) that primarily reflects costs of ATM withdrawals made using a debit card. ... This is limiting. in the Australian case as banks do not typically charge for own-ATM withdrawals.
https://www.rba.gov.au/publications/rdp/2012/pdf/rdp2012-03.pdf
The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011
24 Jul 2000
Conferences
Scheme arrangements also meant that merchants were precluded from discriminating between cards either in terms of acceptance or through differential pricing. ... First, compulsory contributions under the Super Guarantee Charge increased to 9 per cent of
https://www.rba.gov.au/publications/confs/2011/davis.html
Measuring Credit Losses
31 Dec 2015
RDP
2015-06
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). ... Instead of using the net charge to profit and loss to fund collective provisions, it includes only
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html
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A Brief Recap of the CR and ECR Models
17 Apr 2009
RDP
2009-03
or cards from both networks; and, if they hold both, they can choose to use card i in preference to card j, or vice versa, where a merchant accepts both. ... and {. ,. }; and the fractions of those choosing to hold both cards who will then prefer to use
https://www.rba.gov.au/publications/rdp/2009/2009-03/brief-recap.html
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Panel Discussion: What is the Future for Small Business?
21 Aug 2015
Conferences
PDF
78KB
RBA Conference Volume 2015
https://www.rba.gov.au/publications/confs/2015/pdf/henderson-jeffreys-carnell.pdf