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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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Cards

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
The results of the survey also give some interesting insights into debit and credit card use for different demographic groups. ... Similarly, households in the first and second age-adjusted household income quartiles made considerably more payments using
https://www.rba.gov.au/publications/rdp/2014/2014-05/cards.html

Appendix A: Further Details of the Survey

22 Sep 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
Information about the financial services used by the participant was collected, including a list of the credit cards and debit cards held by the participant and which of these were the ... The target for credit card holding was sourced from the Household,
https://www.rba.gov.au/publications/rdp/2014/2014-05/appendix-a.html

Evidence on Policy Reforms

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
Second, individuals may be more willing to pay credit card surcharges as credit cards often offer reward points (which contributes to their higher cost to merchants). ... Surcharges were more often paid for card payments at merchants where credit cards
https://www.rba.gov.au/publications/rdp/2014/2014-05/evi-pol-ref.html

Appendix B: Comparison with Other Data Sources

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
One reason for this is that some consumers may have incorrectly reported the type of card payment being made, with MasterCard and Visa debit payments possibly mistaken for credit card payments ... 9.5. MasterCard/Visa credit. 130. 158. 0.6. 6.6. American
https://www.rba.gov.au/publications/rdp/2014/2014-05/appendix-b.html

Changing Payment Behaviour

22 Sep 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
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 ... a). Cash. Debit. card. Credit. card. BPAY.
https://www.rba.gov.au/publications/rdp/2014/2014-05/cha-pay-behaviour.html

Cash

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
services (such as credit cards). ... The corollary is that card use at the point of sale has risen; developments in the acceptance and use of cards are discussed in Section 5.
https://www.rba.gov.au/publications/rdp/2014/2014-05/cash.html

Other Remote Payment Methods

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
Unlike PayPal (and debit and credit cards), the other electronic payment methods separately identified in the survey are primarily tailored towards, and used for, bill payments and transfers. ... credit card or mortgage repayments). Internet/phone
https://www.rba.gov.au/publications/rdp/2014/2014-05/oth-rem-pay-meth.html

Details of the Survey

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
To ensure the results were representative, recruitment targets for age, household income, credit card ownership and regional groupings were set in line with Australian population statistics. ... and through the MasterCard and Visa debit networks;
https://www.rba.gov.au/publications/rdp/2014/2014-05/det-survey.html

References

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
Commonwealth Consumer Affairs Advisory Council (2013), Credit Card Surcharges and Non-Transparent Transaction Fees: A Study, Australian Treasury, Parkes.
https://www.rba.gov.au/publications/rdp/2014/2014-05/references.html