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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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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

Innovation

1 Nov 1984 RDP 8402
Lindsay F. Boulton and Warren J. Tease
FEDERAL RESERVE SYSTEM. “Bank Credit-Card and Check-Credit Plans”. A Federal Reserve System Report. , ... Federal Reserve System, Washington, 1968. FEDERAL RESERVE SYSTEM. “Credit Cards in the U.S.
https://www.rba.gov.au/publications/rdp/1984/8402/innovation.html
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How Risky is Australian Household Debt?

25 Aug 2020 RDP 2020-05
Jonathan Kearns, Mike Major and David Norman
Similarly, Jordà, Schularick and Taylor (2013) and Mian, Sufi and Verner (2017) conclude that recessions preceded by rapid credit growth tend to be deeper than others, even when the financial sector ... Debt-servicing costs also include interest
https://www.rba.gov.au/publications/rdp/2020/2020-05/full.html
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The Social Costs of Currency Counterfeiting

1 May 2015 RDP PDF 881KB
Finally, the response of the stock of credit card debt is also positive which suggests that the public also increase their use of credit cards following a shock. ... We would expect the counterfeiting shock to reduce the demand for banknotes and increase
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-05.pdf

Data

23 Dec 2016 RDP 2016-12
Gianni La Cava, Helen Hughson and Greg Kaplan
6.9. 0.0. 4.0. Fixed-rate business debt. 3.2. 0.0. 1.9. Credit cards. ... More than two-thirds of households hold some form of debt, but many hold only small amounts of debt (usually in the form of credit cards) and hence are still defined
https://www.rba.gov.au/publications/rdp/2016/2016-12/data.html
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FINANCIAL INNOVATION BIBLIOGRAPHY compiled by Lindsay F. Boultori and ...

14 Oct 2014 RDP PDF 2298KB
SASTRY, A.S.R. "The Effects of Credit on Transactions Demand for Cash". ... 76, 1967, pp.889-892. RUSSELL, T. The Economics of Bank Credit Cards.
https://www.rba.gov.au/publications/rdp/1984/pdf/rdp8402.pdf

Competition Between Payment Systems

15 Apr 2009 RDP PDF 243KB
14. on some features of competition between four-party credit card schemes (such asMasterCard and Visa). ... Others, bycontrast, may value the flexibility afforded by a credit card relative to a debit cardin managing intra-month cash flow constraints.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-02.pdf

Method

11 Sep 2015 RDP 2015-01
Tom Bilston, Robert Johnson and Matthew Read
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

Appendix A: Reconciliation with Mian et al (2015)

1 Nov 2016 RDP 2016-10
Christian Gillitzer and Nalini Prasad
Footnote. Mian et al also use credit card data in their analysis. ... Unfortunately we do not have access to credit card data. The materials on this webpage are subject to copyright and their use is subject to the terms and conditions set out
https://www.rba.gov.au/publications/rdp/2016/2016-10/appendix-a.html
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