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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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Trends in the Financial System
31 May 1999
RDP
1999-05
A number of banks were left in a substantially weakened position, in part due to earlier expansion on the back of weak credit assessment techniques. ... This unbundling of services was also aided by technological innovations. Unbundling occurred across
https://www.rba.gov.au/publications/rdp/1999/1999-05/trends-in-the-financial-system.html
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Short-term Business Finance in Australia
31 Dec 2013
RDP
2013-13
Examples of revolving business credit include bank overdrafts, lines of credit, and credit cards. ... In other words, just like a personal credit card, interest is accrued and charged based on the amount of credit used rather than the amount that is
https://www.rba.gov.au/publications/rdp/2013/2013-13/short-term-business-finance.html
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Concepts and Literature Review
31 Dec 2006
RDP
2006-08
ratios (LVRs); viewed that it was a good time to use credit; or were households that tended not to pay off their credit card balances.
https://www.rba.gov.au/publications/rdp/2006/2006-08/concepts-and-literature-review.html
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Conceptual Framework
1 Dec 1988
RDP
8811
It is therefore assumed below that all transactions will eventually be carried out using plastic cards (either debit or credit). ... As Tobin (1987) points out, this also requires that reserve requirements capture the ability of individuals to make
https://www.rba.gov.au/publications/rdp/1988/8811/conceptual-framework.html
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Financial Intermediation and Securities Markets
1 Oct 1996
RDP
9605
In this way, they perform the lending and credit assessment functions associated with traditional banking without engaging in retail deposit-taking. ... Some of the innovations in retail banking in the mid 1980s, for example, such as the payment of
https://www.rba.gov.au/publications/rdp/1996/9605/financial-intermediation-and-securities-markets.html
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The Future
1 Dec 1993
RDP
9315
water rates), rental streams from government-owned properties and store card debts. ... More generally, debt funding through securities markets can provide an important alternative source of income to banks since credit or liquidity back up facilities
https://www.rba.gov.au/publications/rdp/1993/9315/the-future.html
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Definitions of Household Consumption and Income
31 Dec 2015
RDP
2015-15
personal loans and credit cards) from total expenditure. Interest payments do not represent a flow of services to the household.
https://www.rba.gov.au/publications/rdp/2015/2015-15/definitions-of-household-consumption-and-income.html
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Why Does the Mechanism of Sale Matter?
31 Dec 2014
RDP
2014-09
Some, like the interest rate, credit terms and other economy-wide factors are likely to be near-perfectly observed; but others, like the quality of a specific dwelling, the prices of ... buyer is willing to bid, at which point they lower the card and
https://www.rba.gov.au/publications/rdp/2014/2014-09/why-does-mechanism-sale-matter.html
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Credit Spreads, Monetary Policy and the Price Puzzle
28 Jan 2020
RDP
2020-01
Research Discussion Paper – RDP 2020-01 Credit Spreads, Monetary Policy and the Price Puzzle. ... Therefore, the Bank raises the cash rate – its policy rate – when credit spreads decline.
https://www.rba.gov.au/publications/rdp/2020/2020-01.html
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Credit Supply and Demand and the Australian Economy
1 Jul 1992
RDP
9208
Research Discussion Papers contain the results of economic research within the Reserve Bank
https://www.rba.gov.au/publications/rdp/1992/9208.html
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