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RBA Glossary definition for credit card

credit card – A credit card is a card whose holder has been granted a revolving credit line. The card enables the holder to make purchases and/or cash advances up to a pre-arranged limit. The credit granted can be settled in full by the end of a specified period or in part, with the balance taken as extended credit. Interest may be charged on the transaction amounts from the date of each transaction or only on the extended credit where the credit granted has not been settled in full.

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Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
RDP 2015-06: Credit Losses at Australian Banks: 1980–2013 2. Measuring Credit Losses. ... 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).
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html
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Credit Loss Modelling

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of households to service debt obligations and, thus, probability of default (Banerjee and ... Indicative of this, there has
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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Resilience of Australian Households and Businesses

6 Oct 2023 FSR – October 2023
Resilience of Australian Households and Businesses | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/household-business-finances-in-australia.html

How Australians Pay: Evidence from the 2016 Consumer Payments Survey

24 Jul 2017 RDP PDF 1438KB
with growth in debit card payments outpacing that in credit cards since the mid 2000s.11 There are. ... debit card payments (2.5 per cent). This difference is consistent with credit cards tending to be.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf

Macrofinancial Stress Testing on Australian Banks

13 Sep 2023 RDP PDF 1940KB
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of. ... a tight relationship between the unemployment rate and credit card loss rates during stress events.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf

Valuing Safety and Privacy in Retail Central Bank Digital Currency

4 Apr 2024 RDP PDF 1594KB
surcharges to use debit cards and credit cards, rather than cash. ... household internet access, and credit card usage. The survey asked 9,100 Australians to join via.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf

Household and Business Finances in Australia

6 Apr 2023 FSR – April 2023
Household and Business Finances in Australia | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/household-business-finances.html

Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

9 Sep 2020 RDP PDF 1619KB
not included in the figures cited for debit and credit card payments; these cards were used for less than 1 per cent of. ... debit card, compared to 21 per cent in 2016. In contrast, respondents used credit cards slightly less frequently than they did
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf

Financial Stability Review - September 2005

26 Sep 2005 FSR - September 2005 PDF 494KB
https://www.rba.gov.au/publications/fsr/2005/sep/pdf/0905.pdf

Box B: The Impact of Lending Standards on Loan Sizes

10 Feb 2020 FSR October 2018 PDF 634KB
https://www.rba.gov.au/publications/fsr/2018/oct/pdf/box-b.pdf