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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 Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
15. 22. 24. 30. 44. 51. Credit and charge cards. 11. ... Credit and charge cards. 23. 16. 31. 28. 25. 26. BPAY.
https://www.rba.gov.au/publications/rdp/2023/2023-08/full.html
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Appendix A: Model Specifications

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
OpExp. Operating expenses ($). APRA (ARF_330.0). BDD. Bad and doubtful debt charge. ... t. The bad and doubtful debt charge has two components: write-offs and net new provisions.
https://www.rba.gov.au/publications/rdp/2022/2022-03/appendix-a.html
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Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

14 Sep 2020 RDP 2020-06
James Caddy, Luc Delaney and Chay Fisher
24. 30. 44. Credit and charge cards. 11. 9. 19. 22. ... 36. Credit and charge cards. 23. 16. 31. 28. 25. BPAY.
https://www.rba.gov.au/publications/rdp/2020/2020-06/full.html
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Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes

1 Dec 2018 RDP 2018-12
Richard Finlay, Andrew Staib and Max Wakefield
The Stata code was run on Stata 13.0. The 2016 Consumer Payments Survey and the Card Features Database are held in the Payments Policy Department of the Reserve Bank of ... In this table we estimate cash spending using the cash-to-card ratio from the
https://www.rba.gov.au/publications/rdp/2018/2018-12/read-me.html
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Appendix B: Estimation and Sensitivity Testing of Net Monetary Benefit

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
According to the survey, gift cards are the most common way that consumers redeem their points, used by just over one-third of rewards card holders (Figure B1). ... Respondents were asked ‘How much were you charged in credit card interest in your most
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-b.html
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The Transmission of Monetary Policy through Banks' Balance Sheets | Conference – 2018

12 Apr 2018 Conferences
Anthony Brassil, Jon Cheshire and Joseph Muscatello
Large business (variable). 0.83. 0.72. 0.75. 1.24. Credit card (variable). 0.36. ... 4.1 New provisions. In this section, we model banks' net new provisions for expected loan losses (also known as their ‘charge for bad and doubtful debts’).
https://www.rba.gov.au/publications/confs/2018/brassil-cheshire-muscatello.html

Payment Cards

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Source: RBA calculations, based on data from Ipsos. Footnotes. In this paper, references to ‘payment cards’ or ‘cards’ refer to debit, credit and charge cards. ... the cards that they held, rather than selecting the type of card (i.e.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
It is often also used for lending where a high loss rate is expected and built into the interest margin (credit card lending is one example). ... Instead of using the net charge to profit and loss to fund collective provisions, it includes only
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html
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Willingness to Pay for the Use of Credit Card Features

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
Two additional card characteristics (whether the card is a premium card or charge card such as American Express or Diners Club) are also included as controls. ... 24.8. 55.7. 8.7. Charge card. 94.3. 31.6. 1.3. 0.2. Age (base = 30–39 years).
https://www.rba.gov.au/publications/rdp/2015/2015-03/willingness-pay-use-credit-card-features.html
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Appendix A: Data

1 Jun 2015 RDP 2015-05
Nathan Viles, Alexandra Rush and Thomas Rohling
Australian Federal Police; RBA internal data. Credit card debt. The value of credit and charge card total balances as at the end of each quarter, whether or not incurring interest charges ... Scheme credit, debit and charge card fraud perpetrated in
https://www.rba.gov.au/publications/rdp/2015/2015-05/appendix-a.html
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