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RBA Glossary definition for card issuer

card issuer – An institution that provides its customers with debit or credit cards.

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Theories of Loan Rate Stickiness

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
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/1992/9206/theories-of-loan-rate-stickiness.html