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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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Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes
1 Dec 2018
RDP
2018-12
The Stata code was run on Stata 13.0. The 2016 Consumer Payments Survey and the Card Features Database are held in the Payments Policy Department of the Reserve Bank of ... In this table we estimate cash spending using the cash-to-card ratio from the
https://www.rba.gov.au/publications/rdp/2018/2018-12/read-me.html
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Appendix B: Estimation and Sensitivity Testing of Net Monetary Benefit
8 Oct 2018
RDP
2018-11
According to the survey, gift cards are the most common way that consumers redeem their points, used by just over one-third of rewards card holders (Figure B1). ... Respondents were asked ‘How much were you charged in credit card interest in your most
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-b.html
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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
PDF
1746KB
credit card (if they held multiple cards, this was the one they used most often). ... incurred interest charges; the distribution of benefits from credit cards across income groups also.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
Payment Cards
8 Aug 2017
RDP
2017-04
Source: RBA calculations, based on data from Ipsos. Footnotes. In this paper, references to ‘payment cards’ or ‘cards’ refer to debit, credit and charge cards. ... the cards that they held, rather than selecting the type of card (i.e.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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How Australians Pay: Evidence from the 2016 Consumer Payments Survey
24 Jul 2017
RDP
PDF
1438KB
Debit cards 15 22 24 30. Credit and charge cards 11 9 19 22. ... Debit cards 21 27 22 26. Credit and charge cards 23 16 31 28.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf
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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Willingness to Pay for the Use of Credit Card Features
11 Sep 2015
RDP
2015-03
Two additional card characteristics (whether the card is a premium card or charge card such as American Express or Diners Club) are also included as controls. ... 24.8. 55.7. 8.7. Charge card. 94.3. 31.6. 1.3. 0.2. Age (base = 30–39 years).
https://www.rba.gov.au/publications/rdp/2015/2015-03/willingness-pay-use-credit-card-features.html
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Appendix A: Data
1 Jun 2015
RDP
2015-05
Australian Federal Police; RBA internal data. Credit card debt. The value of credit and charge card total balances as at the end of each quarter, whether or not incurring interest charges ... Scheme credit, debit and charge card fraud perpetrated in
https://www.rba.gov.au/publications/rdp/2015/2015-05/appendix-a.html
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Credit Losses at Australian Banks: 1980–2013
8 May 2015
RDP
PDF
1495KB
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/pdf/rdp2015-06.pdf
The Social Costs of Currency Counterfeiting
1 May 2015
RDP
PDF
881KB
Finally, the response of the stock of credit card debt is also positive which suggests that the public also increase their use of credit cards following a shock. ... We would expect the counterfeiting shock to reduce the demand for banknotes and increase
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-05.pdf