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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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Competition Between Payment Systems

15 Apr 2009 RDP PDF 243KB
theevent that a merchant accepts the cards of both platforms, and those who wouldinstead prefer to use card j over card i. ... Hence, theseconsumers face a higher effective per-transaction charge for payments on theirplatform i cards than consumers in ci,
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf

Competition Between Payment Systems: Results

15 Apr 2009 RDP PDF 273KB
6. and the fractions of those choosing to hold both cards who will then prefer to usecard i over card j, or vice versa, at the moment of sale. ... ci, j;i) outnumber, sometimes by a significant margin, those who. hold both cards but prefer to use card j
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-03.pdf

Loan Rate Stickiness: Theory and Evidence

31 Jan 2006 RDP PDF 819KB
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/pdf/rdp9206.pdf

Trends in the Financial System

31 May 1999 RDP 1999-05
Christopher Kent and Guy Debelle
Prior to the 1980s, banks were regulated in terms of the types of products they were allowed to offer and the prices they were allowed to charge. ... This unbundling of services was also aided by technological innovations. Unbundling occurred across many
https://www.rba.gov.au/publications/rdp/1999/1999-05/trends-in-the-financial-system.html
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Financial Intermediation and Securities Markets

1 Oct 1996 RDP 9605
Malcolm Edey and Brian Gray
A byproduct of this technology, however, and of banks' relatively low transaction charges, has been a greatly increased capacity for bank customers to make low-value transactions. ... Thus, the general logic for higher transactions charges remains
https://www.rba.gov.au/publications/rdp/1996/9605/financial-intermediation-and-securities-markets.html
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Appendix 2: Data

1 May 1995 RDP 9504
Philip Lowe
rates reported by major banks on their credit cards with interest free periods. ... Charge to profit by banks for bad and doubtful debts. RBA, internal sources.
https://www.rba.gov.au/publications/rdp/1995/9504/appendix-2.html
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Tests of Loan Rate Stickiness

1 Jun 1992 RDP 9206
Philip Lowe and Thomas Rohling
However, bank data on credit card usage indicates that the number of accounts incurring credit card rate charges is in excess of 75 per cent. ... If reverse adverse selection characterises the credit card market, then in certain circumstances, there may
https://www.rba.gov.au/publications/rdp/1992/9206/tests-of-loan-rate-stickiness.html
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Financial Intermediation

1 Nov 1984 RDP 8402
Lindsay F. Boulton and Warren J. Tease
Banker. , vol. 134, No. 697, 1984. BANKERS' MAGAZINE. “Who Holds the Winning Card? ... American Enterprise Institute, Washington, 1976, pp.357–362. MANDELL, L. Credit Card Use in the United States.
https://www.rba.gov.au/publications/rdp/1984/8402/financial-intermediation.html
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Demand in the Repo Market: Indirect Perspectives from Open Market Operations from 2006 to 2020

9 May 2024 RDP PDF 4625KB
authorised deposit-taking institutions (ADIs) pay or charge to borrow funds from or lend funds to.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-03.pdf

Valuing Safety and Privacy in Retail Central Bank Digital Currency

11 Apr 2024 RDP 2024-02
Zan Fairweather, Denzil Fiebig, Adam Gorajek, Rochelle Guttmann, June Ma and Jack Mulqueeney
People would be able to access their money using mobile phones, computers, or cards, just like they can at other banks already offering bank accounts. ... The survey asked 9,100 Australians to join via random phone number dialling and they were
https://www.rba.gov.au/publications/rdp/2024/2024-02/full.html
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