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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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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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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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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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The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
27 Nov 2023
RDP
2023-08
15. 22. 24. 30. 44. 51. Credit and charge cards. 11. ... Credit and charge cards. 23. 16. 31. 28. 25. 26. BPAY.
https://www.rba.gov.au/publications/rdp/2023/2023-08/full.html
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Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
14 Sep 2020
RDP
2020-06
24. 30. 44. Credit and charge cards. 11. 9. 19. 22. ... 36. Credit and charge cards. 23. 16. 31. 28. 25. BPAY.
https://www.rba.gov.au/publications/rdp/2020/2020-06/full.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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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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Domestic Financial Conditions
10 Nov 2023
SMP
– November 2023
Domestic Financial Conditions | Statement on Monetary Policy – November 2023
https://www.rba.gov.au/publications/smp/2023/nov/domestic-financial-conditions.html
Private Net Costs
31 Dec 2014
RDP
2014-14
complimentary insurance) that credit cards offer (although this is before taking into account interest payments for customers who carry a balance on their credit card). ... For merchants, the private costs of credit cards are lower for card-present
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html
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Box B: The Effect of Policy Rate Changes on Household Debt Servicing
10 Nov 2009
SMP
– November 2009
sharp rise in the delinquency rate on credit card repayments that has led to an increase in charge-offs, which are almost 10 per cent of outstanding balances. ... As the composition of consumer credit has shifted away from credit card debt, on which a
https://www.rba.gov.au/publications/smp/2009/nov/box-b.html