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RBA Glossary definition for charge card
charge card – A charge card is a card whose holder has been granted a non-revolving credit line enabling the holder to make purchases and possibly make cash advances. A charge card does not offer extended credit; the full amount of any debt incurred must be settled at the end of a specified period.
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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
Housing Prices and Entrepreneurship: Evidence for the Housing Collateral Channel in Australia | Conference – 2015
19 Mar 2015
Conferences
Given this, some lenders charge higher interest rates on small business loans that are secured by commercial property compared with loans secured against residential property. ... Given this, lenders are required to hold more capital against
https://www.rba.gov.au/publications/confs/2015/connolly-lacava-read.html
SME Access to Intermediated Credit: What Do We Know and What Don't We Know? | Conference – 2015
19 Mar 2015
Conferences
RBA Annual Conference – 2015 SME Access to Intermediated Credit: What Do We Know and What Don't We Know? Gregory F Udell. Over the past several decades, there has been a growing interest in small to medium-sized enterprise (SME) finance among
https://www.rba.gov.au/publications/confs/2015/udell.html
Panel Discussion: What is the Future for Small Business? | Conference – 2015
19 Mar 2015
Conferences
After paying $250, we had a logo and some business cards. ... goal and charges everyone's credit cards, the risk is back on the banks.
https://www.rba.gov.au/publications/confs/2015/henderson-jeffreys-carnell.html
The Changing Way We Pay: Trends in Consumer Payments
4 Feb 2015
RDP
PDF
1225KB
and charge cards 1.4 1.4 2.4 BPAY 0.3 0.5 0.4 Internet or phone banking na 0.4 0.2 PayPal na 0.1 0.3 ... Cash 69 62 47 38 29 18 Cards 26 31 43 43 43 53 Debit cards 15 22 24 21 27 22 Credit and charge cards 11 9 19 23 16
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-05.pdf
Is Housing Overvalued?
4 Feb 2015
RDP
PDF
1164KB
Research Discussion Paper. Is Housing Overvalued? Ryan Fox and Peter Tulip. RDP 2014-06. The Discussion Paper series is intended to make the results of the current economic research within the Reserve Bank available to other economists. Its aim is
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-06.pdf
Home Prices and Household Spending
2 Feb 2015
RDP
PDF
732KB
This argument is supported by the cross-tabulations in Figure 2, which show the mean ratios of home loans to home prices and the mean ratios of unsecured credit card debts ... and jewellery, and financial service charges.
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-04.pdf
Inventory Investment in Australia and the Global Financial Crisis
2 Feb 2015
RDP
PDF
839KB
any repayments made by the borrower (other than interest and charges) reducethe extent of used credit and increase the amount of unused credit available. ... Examples of revolving business credit includebank overdrafts, lines of credit, and credit cards.
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-13.pdf
ATM Fees, Pricing and Consumer Behaviour: An Analysis of ATM Network Reform in Australia
28 Jan 2015
RDP
PDF
739KB
issuer) that primarily reflects costs of ATM withdrawals made using a debit card. ... This is limiting. in the Australian case as banks do not typically charge for own-ATM withdrawals.
https://www.rba.gov.au/publications/rdp/2012/pdf/rdp2012-03.pdf
Private Net Costs
31 Dec 2014
RDP
2014-14
complimentary insurance) that credit cards offer (although this is before taking into account interest payments for customers who carry a balance on their credit card). ... For merchants, the private costs of credit cards are lower for card-present
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html
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