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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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Reduced-form Model
6 May 2018
RDP
2018-05
In many senses, this is quite similar to an idiosyncratic credit supply shock. ... The companies facing higher interest rates could be relying on more expensive forms of borrowing, such as credit cards or overdrafts, rather than bank loans or corporate
https://www.rba.gov.au/publications/rdp/2018/2018-05/reduced-form-model.html
Do Interest Rates Affect Business Investment? Evidence from Australian Company-level Data
1 Apr 2018
RDP
2018-05
Instead, we hypothesise that the inverse relationship between interest rates and investment is due to credit supply effects. ... In many senses, this is quite similar to an idiosyncratic credit supply shock.
https://www.rba.gov.au/publications/rdp/2018/2018-05/full.html