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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 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

4 Nov 2022 SMP – November 2022
in part because consumers shifted to using debit cards rather than credit cards). ... This growth in personal credit has largely reflected increases in outstanding credit card balances, consistent with strong nominal consumption growth, and follows a
https://www.rba.gov.au/publications/smp/2022/nov/domestic-financial-conditions.html

List of tables

10 Sep 2006 FSR – September 2006
January 2006. July 2006. Fixed. 52.4. 7.4. 10.3. Credit card. 25.8. ... 11.1. 15.4. Non-credit card revolving. 21.8. 7.2. 7.1. of which: secured by housing.
https://www.rba.gov.au/publications/fsr/2006/sep/tables.html

Household and Business Finances

12 Apr 2019 FSR – April 2019
More recently, the introduction of comprehensive credit reporting from September 2018 for credit cards is enabling banks to see more complete information on borrowers' credit and store card debts and limits. ... Since credit assessments are based on
https://www.rba.gov.au/publications/fsr/2019/apr/household-business-finances.html

Dual-Network Debit Cards | Dual-Network Cards and Mobile Wallet Technology – Consultation Paper – December 2016

10 Dec 2016 Consultations
In Canada, the Code of Conduct for the Credit and Debit Card Industry in Canada (‘the Code’) explicitly provides for dual-network cards but takes a different approach. ... This excludes prepaid cards. It also excludes the 5 million ‘combo’
https://www.rba.gov.au/publications/consultations/201612-dual-network-cards-and-mobile-wallet-technology/dual-network-debit-cards.html

List of tables

10 Mar 2006 FSR – March 2006
Sources:ABS; APM; RBA; REIA; Residex. Table 4: Personal Credit. Per cent. Component. ... Fixed. 52.7. 11.9. 9.7. Credit card. 25.0. 17.0. 12.1. Non-credit card revolving.
https://www.rba.gov.au/publications/fsr/2006/mar/tables.html

Review of Card System Access Regimes: A Consultation Document – May 2013 | Consultations

28 May 2013 Consultations
At its May 2013 meeting, the Payments System Board decided to hold a public consultation on the access regimes applying to the MasterCard credit and the Visa credit and Visa debit systems
https://www.rba.gov.au/publications/consultations/201305-review-card-sys-access-regimes/

Box B: Competition in Household Lending in New Zealand and the United Kingdom

10 Mar 2006 FSR – March 2006
More recently, some banks and other credit card issuers in the United Kingdom have begun to offer credit cards to borrowers with impaired credit histories, albeit at higher interest rates. ... Based on indicator rates, competition in the credit card
https://www.rba.gov.au/publications/fsr/2006/mar/box-b.html

Statement on Monetary Policy

20 Nov 2023 SMP - November 2023 PDF 9530KB
https://www.rba.gov.au/publications/smp/2023/nov/pdf/statement-on-monetary-policy-2023-11.pdf

Financial Stability Review - March 2024

26 Mar 2024 FSR - March 2024 PDF 2619KB
https://www.rba.gov.au/publications/fsr/2024/mar/pdf/financial-stability-review-2024-03.pdf