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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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Do Australian Households Borrow to Keep up with the Joneses?

10 Nov 2022 RDP 2022-06
Kim Nguyen
7,631. 7,631. 7,631. 7,631. Non-mortgage. Credit card. Hire purchase. Car. Business. ... 7,646. 7,646. 7,646. 7,646. 7,646. Non-mortgage. Credit card. Hire purchase. Car.
https://www.rba.gov.au/publications/rdp/2022/2022-06/full.html
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SME Access to Intermediated Credit: What Do We Know and What Don't We Know? | Conference – 2015

19 Mar 2015 Conferences
Gregory F Udell
when audited statements and collateral are unavailable and trade credit access has been exhausted). ... Information from a consumer credit bureau appears to also be provided to potential lenders.
https://www.rba.gov.au/publications/confs/2015/udell.html

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

Developments in the Business of Banking | Conference – 1996

9 Jul 1996 Conferences
Robert Joss
The business of providing credit is made up of origination, funding and servicing. ... Electronic funds transfer, automatic teller machines, EFTPOS, increased usage of debit and credit cards, stored value cards, telephone banking and computer banking all
https://www.rba.gov.au/publications/confs/1996/joss.html

Banking in the 21st Century: The Transformation of an Industry | Conference – 1996

9 Jul 1996 Conferences
David T. Llewellyn
Similarly, the development of credit cards and debit cards erodes this same monopoly, and an increasing proportion of transactions can now be executed without the need for even a temporary stock ... Similarly, in the United Kingdom and United States,
https://www.rba.gov.au/publications/confs/1996/llewellyn.html

Property Prices and Bank Risk-taking | Conference – 2012

20 Aug 2012 Conferences
Giovanni Dell'Ariccia
Real estate prices do grow faster during credit booms than in tranquil times. ... For instance, home equity-based borrowing was stronger for younger households, households with low credit scores, and households with high initial credit card utilisation
https://www.rba.gov.au/publications/confs/2012/dellariccia.html

The Evolving Structure of the Australian Financial System | Conference – 1996

9 Jul 1996 Conferences
Malcolm Edey and Brian Gray
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/confs/1996/edey-gray.html

Valuing Safety and Privacy in Retail Central Bank Digital Currency

4 Apr 2024 RDP PDF 1594KB
surcharges to use debit cards and credit cards, rather than cash. ... household internet access, and credit card usage. The survey asked 9,100 Australians to join via.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-02.pdf

Do Australian Households Borrow to Keep up with the Joneses?

8 Nov 2022 RDP PDF 1659KB
consumption (car debt and credit card debt). And while investment debt may generate dividend. ... Non-mortgage. Credit card Hire purchase Car Business Investment. Gini coefficient –0.22.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf

Banking in the 21st Century: The Transformation of an Industry

7 Dec 2006 Conferences PDF 100KB
RBA Conference Volume 1996
https://www.rba.gov.au/publications/confs/1996/pdf/llewellyn.pdf