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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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Read me file for Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
3 Oct 2018
RDP
PDF
460KB
RDP 2018-11 supplementary information
https://www.rba.gov.au/publications/rdp/2018/2018-11/rdp-2018-11-read-me.pdf
Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
2 Oct 2018
RDP
PDF
1746KB
credit card (if they held multiple cards, this was the one they used most often). ... 13 For instance, respondents were asked to select their credit cards from a list and, if they could not find their card on.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-11.pdf
The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
RDP
PDF
2354KB
in the figures cited for debit and credit card payments; these cards were used for less than per cent of the number. ... being more likely to meet the lending standards for a credit card, as well as debit cards and cash.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
The Evolution of Payment Costs in Australia
11 Apr 2019
RDP
PDF
1298KB
13. than cards (MasterCard 2014); or the costs to individuals experiencing credit stress from credit cards. ... These rankings of cash, debit cards, credit cards and cheques are broadly consistent with overseas studies and the 2007 study.
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-14.pdf
Price Incentives and Consumer Payment Behaviour
17 Aug 2009
RDP
PDF
262KB
5.5 Credit Card Price Incentives and the Use of Debit Cards and Cash 34. ... Credit cards are used relatively more at higher income levels, while debit card use.
https://www.rba.gov.au/publications/rdp/2009/pdf/rdp2009-04.pdf
How Australians Pay: Evidence from the 2016 Consumer Payments Survey
24 Jul 2017
RDP
PDF
1438KB
with growth in debit card payments outpacing that in credit cards since the mid 2000s.11 There are. ... debit card payments (2.5 per cent). This difference is consistent with credit cards tending to be.
https://www.rba.gov.au/publications/rdp/2017/pdf/rdp2017-04.pdf
Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
3.3 Other portfolios. For personal loans (including credit cards), unemployment is the main determinant of the ability of. ... a tight relationship between the unemployment rate and credit card loss rates during stress events.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey
9 Sep 2020
RDP
PDF
1619KB
not included in the figures cited for debit and credit card payments; these cards were used for less than 1 per cent of. ... debit card, compared to 21 per cent in 2016. In contrast, respondents used credit cards slightly less frequently than they did
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-06.pdf
Non-technical summary for 'The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey'
20 Nov 2023
RDP
PDF
283KB
RDP 2023-08 non-technical summary
https://www.rba.gov.au/publications/rdp/2023/2023-08/rdp-2023-08-non-technical-summary.pdf
The Changing Way We Pay: Trends in Consumer Payments
4 Feb 2015
RDP
PDF
1225KB
Feedback from participants in the study suggests that some respondents may have confused debit cards from MasterCard and Visa with these schemes’ credit cards, particularly when making a debit card payment ... No. MasterCard/Visa credit card. American
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf