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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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Short-term Business Finance in Australia
31 Dec 2013
RDP
2013-13
any repayments made by the borrower (other than interest and charges) reduce the extent of used credit and increase the amount of unused credit available. ... Examples of revolving business credit include bank overdrafts, lines of credit, and credit cards
https://www.rba.gov.au/publications/rdp/2013/2013-13/short-term-business-finance.html
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The ATM Market in Australia
31 Dec 2012
RDP
2012-03
If the costs of credit functions are included, the weighted-average card issuer cost is $0.04 higher. ... Following the reforms, cardholders continue to be able to use own-bank ATMs without charge.
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html
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The Link between the Cash Rate and Market Interest Rates
1 Dec 2009
RDP
PDF
179KB
The stickiest interest rate is the rate on credit cards. BetweenJanuary 1986 and October 1994, the credit card rate ranged between 14.4 per centand 24.7 per cent whereas the ... of spreads follows a significant reductionin banks' charges for bad and
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9504.pdf
The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
In theUnited States, where disintermediation has been a feature of the financial system fora decade or more, almost two-thirds of residential mortgages and half of theoutstanding credit card receivables are
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf
Trends in the Australian Banking System: Implications for Financial System Stability and Monetary Policy
1 Dec 2009
RDP
PDF
156KB
Prior to the 1980s, banks were regulated in terms of the types of products theywere allowed to offer and the prices they were allowed to charge. ... Also, theANZ Banking Group has recently outsourced many of its electronic card operations(Australian
https://www.rba.gov.au/publications/rdp/1999/pdf/rdp1999-05.pdf
Estimating Marginal Propensities to Consume in Australia Using Micro Data
27 Nov 2009
RDP
PDF
252KB
We do not account for theeffect that servicing any credit card debt will have on consumption. ... that nolonger hold a credit card; although this does not imply a causal relationship.23.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-07.pdf
Price Incentives and Consumer Payment Behaviour
17 Aug 2009
RDP
PDF
262KB
Massey (2008). 2 Unless otherwise separately identified, in this paper credit cards include credit/charge cards. ... a credit or charge card.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-04.pdf
Modelling Consumer Payment Behaviour for Australia
1 Jul 2009
RDP
2009-04
These cards are aimed at revolver consumers, who represent around 34 per cent of credit card holders. ... a credit or charge card.
https://www.rba.gov.au/publications/rdp/2009/2009-04/modelling-consumer-payment-behaviour-australia.html
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Understanding Merchants' and Consumers' Card Choices
17 Apr 2009
RDP
2009-02
is the (relatively high) effective per-transaction price that a consumer who holds both cards, but who would prefer to use card i over card j, faces for card j transactions. ... would gain from being able to switch his or her card payments from platform
https://www.rba.gov.au/publications/rdp/2009/2009-02/understanding-merchants.html
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A Brief Recap of the CR and ECR Models
17 Apr 2009
RDP
2009-03
or cards from both networks; and, if they hold both, they can choose to use card i in preference to card j, or vice versa, where a merchant accepts both. ... and {. ,. }; and the fractions of those choosing to hold both cards who will then prefer to use
https://www.rba.gov.au/publications/rdp/2009/2009-03/brief-recap.html
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