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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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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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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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Appendix B: Variable Definitions

31 Dec 2003 RDP 2003-08
Gianni La Cava and John Simon
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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The ATM Market in Australia

31 Dec 2012 RDP 2012-03
Clare Noone
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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Methodology

2 Dec 2009 RDP 2009-07
Laura Berger-Thomson, Elaine Chung and Rebecca McKibbin
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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Appendix A: Data Details

12 Sep 2014 RDP 2014-06
Ryan Fox and Peter Tulip
Of course, not everyone pays the average interest rate. Households with few financial assets pay more: they are charged mortgage insurance and they borrow at high rates, for example on credit ... cards, more frequently.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html
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Reduced-form Model

6 May 2018 RDP 2018-05
Jonathan Hambur and Gianni La Cava
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
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Introduction

17 Apr 2009 RDP 2009-02
George Gardner and Andrew Stone
These assumptions do, however, limit the scope for such analysis to inform our understanding of competition between, say, different types of payment instruments, such as debit versus credit cards. ... Footnotes. An example is the credit card market in
https://www.rba.gov.au/publications/rdp/2009/2009-02/introduction.html
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Appendix 1: Unit Root Tests

1 May 1995 RDP 9504
Philip Lowe
0.48. 0.70. 2.36. 2.73. 2.73. 2.61. Credit card rate. 0.40. 0.06.
https://www.rba.gov.au/publications/rdp/1995/9504/appendix-1.html
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Non-technical summary for ‘The Role of Collateral in Borrowing’

20 Jan 2021 RDP 2021-01
Nicholas Garvin, David W Hughes and José-Luis Peydró
Uncollateralised loans – for example, credit cards – involve no pledged security, so the lender has more to lose if the borrower defaults. ... As well as mortgages and credit cards, banks also frequently make collateralised and uncollateralised loans
https://www.rba.gov.au/publications/rdp/2021/2021-01/non-technical-summary.html
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