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.
Search Results
The Card Payments Review
12 May 2016
Speech
Speech delivered by Malcolm Edey, Assistant Governor (Financial System), at the Cards & Payments Australia conference, Melbourne
https://www.rba.gov.au/speeches/2016/sp-ag-2016-05-12.html
Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
9 Sep 2020
RDP
PDF
1619KB
not included in the figures cited for debit and credit card payments; these cards were used for less than 1 per cent of. ... debit card, compared to 21 per cent in 2016. In contrast, respondents used credit cards slightly less frequently than they did
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf
New Financial Statistics: The Value of Sound Data in Troubled Times
17 Sep 2020
Speech
Speech delivered by Marion Kohler, Head of Domestic Markets, to the Australian Financial Markets Association, Online
https://www.rba.gov.au/speeches/2020/sp-so-2020-09-17.html
Payment Systems Developments and Architecture: Some Background
27 Sep 2006
Speech
Background Paper ‘Payment Systems Developments and Architecture: Some Background’ to presentation to Australian Bankers' Association and Australian Payments Clearing Association Forum on 27 September 2006 in Sydney
https://www.rba.gov.au/speeches/2006/background-paper-270906.html
The Australian Financial System in the 1990s | Conference – 2000
21 Jun 1990
Conferences
At the same time, there has been a five-fold increase in the number of credit card transactions over the decade, and a trebling since 1995. ... Approximately two-thirds of these securities are backed exclusively by residential mortgages, with others
https://www.rba.gov.au/publications/confs/2000/gizycki-lowe.html
Developments in the Business of Banking | Conference – 1996
9 Jul 1996
Conferences
The business of providing credit is made up of origination, funding and servicing. ... Electronic funds transfer, automatic teller machines, EFTPOS, increased usage of debit and credit cards, stored value cards, telephone banking and computer banking all
https://www.rba.gov.au/publications/confs/1996/joss.html
The Changing Way We Pay: Trends in Consumer Payments
4 Feb 2015
RDP
PDF
1225KB
Feedback from participants in the study suggests that some respondents may have confused debit cards from MasterCard and Visa with these schemes’ credit cards, particularly when making a debit card payment ... No. MasterCard/Visa credit card. American
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf
SME Access to Intermediated Credit: What Do We Know and What Don't We Know? | Conference – 2015
19 Mar 2015
Conferences
when audited statements and collateral are unavailable and trade credit access has been exhausted). ... Information from a consumer credit bureau appears to also be provided to potential lenders.
https://www.rba.gov.au/publications/confs/2015/udell.html
Bank Deregulation in Australia: Choice and Diversity, Gainers and Losers | Conference – 1991
21 Jun 1991
Conferences
Bankcard debit/credit card. Enhanced retirement services. 1987. Life insurance. Fixed-rate mortgage lending. ... Non-bank financial institutions and even some non-financial institutions produce payments services, including payment and money orders,
https://www.rba.gov.au/publications/confs/1991/harper.html
Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
consumption (car debt and credit card debt). And while investment debt may generate dividend. ... Non-mortgage. Credit card Hire purchase Car Business Investment. Gini coefficient –0.22.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf