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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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Bank Deregulation in Australia: Choice and Diversity, Gainers and Losers | Conference – 1991

21 Jun 1991 Conferences
Ian Harper
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

The Australian Financial System in the 1990s | Conference – 2000

21 Jun 1990 Conferences
Marianne Gizycki and Philip Lowe
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
Robert Joss
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

SME Access to Intermediated Credit: What Do We Know and What Don't We Know? | Conference – 2015

19 Mar 2015 Conferences
Gregory F Udell
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

Banking in the 21st Century: The Transformation of an Industry | Conference – 1996

9 Jul 1996 Conferences
David T. Llewellyn
Similarly, the development of credit cards and debit cards erodes this same monopoly, and an increasing proportion of transactions can now be executed without the need for even a temporary stock ... Similarly, in the United Kingdom and United States,
https://www.rba.gov.au/publications/confs/1996/llewellyn.html

Property Prices and Bank Risk-taking | Conference – 2012

20 Aug 2012 Conferences
Giovanni Dell'Ariccia
Real estate prices do grow faster during credit booms than in tranquil times. ... For instance, home equity-based borrowing was stronger for younger households, households with low credit scores, and households with high initial credit card utilisation
https://www.rba.gov.au/publications/confs/2012/dellariccia.html

A Banker's Perspective on the Future of the Financial System | Conference – 1996

9 Jul 1996 Conferences
William Ferguson
Other providers will be underwriting capital market fundraising activities, managing investment funds, selling investment instruments, issuing credit cards, offering insurance, and so on. ... The retail world is now one of ATMs, CATs, EFTPOS, credit,
https://www.rba.gov.au/publications/confs/1996/ferguson-w.html

The Evolving Structure of the Australian Financial System | Conference – 1996

9 Jul 1996 Conferences
Malcolm Edey and Brian Gray
In this way, they perform the lending and credit assessment functions associated with traditional banking without engaging in retail deposit-taking. ... Some of the innovations in retail banking in the mid 1980s, for example, such as the payment of
https://www.rba.gov.au/publications/confs/1996/edey-gray.html

Housing Prices and Entrepreneurship: Evidence for the Housing Collateral Channel in Australia | Conference – 2015

19 Mar 2015 Conferences
Ellis Connolly, Gianni La Cava and Matthew Read
as likely to owe home debt or credit card debt. ... 6. 11. 8. Property investor debt. 12. 18. 17. Credit card debt.
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read.html

The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011

24 Jul 2000 Conferences
Kevin Davis
The structure of interchange fees and customer pricing had meant that consumers were typically using credit rather than debit cards (eftpos) for transactions, even though the costs associated with the latter ... By reducing and aligning interchange fees
https://www.rba.gov.au/publications/confs/2011/davis.html