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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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Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data
4 Feb 2015
RDP
PDF
728KB
Mortgage status %%. 2010. Credit card paymentbehaviour. Doesn’tpay off. Pays offNo cardBehindAbout onAhead. ... credit card ordid not always pay off the entire balance of their credit card each month.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-13.pdf
Method
11 Sep 2015
RDP
2015-01
and P and C are the estimated interest payments on personal and credit card debt, respectively. ... Losses are assumed to be borne in order of credit cards, other personal loans and mortgages; this puts downward pressure on LGDs for housing loans and
https://www.rba.gov.au/publications/rdp/2015/2015-01/method.html
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The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
2 The main groups are banks, merchant banks, finance companies, building societies, credit. ... In theUnited States, where disintermediation has been a feature of the financial system fora decade or more, almost two-thirds of residential mortgages and
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf
How Risky is Australian Household Debt?
19 Aug 2020
RDP
PDF
1880KB
Verner (2017) conclude that recessions preceded by rapid credit growth tend to be deeper than. ... 1 Above-trend credit-to-GDP ratio (the economy-wide counterpart to household debt-to-income ratio) was also found.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-05.pdf
Household Leveraging and Deleveraging
13 Dec 2012
Research Workshop
PDF
718KB
Reserve Bank of Australia Workshop 2012
https://www.rba.gov.au/publications/workshops/research/2012/pdf/primiceri.pdf
Read me file for Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
10 Sep 2020
RDP
PDF
457KB
RDP 2020-06 supplementary information
https://www.rba.gov.au/publications/rdp/2020/2020-06/rdp-2020-06-read-me.pdf
The ATM Market in Australia
31 Dec 2012
RDP
2012-03
card. Schwartz et al(2008) make an allowance for the issuer costs of credit card advances, which reflect the cost of the payment function for these transactions. ... If the costs of credit functions are included, the weighted-average card issuer cost is
https://www.rba.gov.au/publications/rdp/2012/2012-03/atm-mkt-australia.html
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Appendix B: Variable Definitions
31 Dec 2003
RDP
2003-08
household gross income (%). MORTGAGE DEBT = household mortgage repayments as a proportion of total weekly household disposable income (%). CREDIT CARDS = number of credit cards in the household. CREDIT CARD INTEREST = 1 if ... household pays interest on
https://www.rba.gov.au/publications/rdp/2003/2003-08/appendix-b.html
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Aggregate Unemployment and Household Unsecured Debt
28 Nov 2014
Research Workshop
PDF
759KB
https://www.rba.gov.au/publications/workshops/research/2014/pdf/bethunea-rocheteaub-rupert.pdf
Methodology
2 Dec 2009
RDP
2009-07
This accounts for the possibility that households who obtain a credit card may do so in order to fund greater consumption. ... We do not account for the effect that servicing any credit card debt will have on consumption.
https://www.rba.gov.au/publications/rdp/2009/2009-07/methodology.html
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