Search: credit card
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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The Australian Financial System in the 1990s
24 Nov 2006
Conferences
PDF
101KB
RBA Conference Volume 2000
https://www.rba.gov.au/publications/confs/2000/pdf/gizycki-lowe.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
A Banker's Perspective on the Future of the Financial System
7 Dec 2006
Conferences
PDF
35KB
RBA Conference Volume 1996
https://www.rba.gov.au/publications/confs/1996/pdf/ferguson-w.pdf
Small Business Conditions and Finance
23 Sep 2015
Conferences
PDF
4551KB
RBA Conference Volume 2015
https://www.rba.gov.au/publications/confs/2015/pdf/conf-vol-2015.pdf
Appendix A: Data
1 Jun 2015
RDP
2015-05
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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The Determinants of Mortgage Defaults in Australia – Evidence for the Double-trigger Hypothesis
19 Jul 2020
RDP
PDF
1853KB
Elul et al (2010) use borrowers’ credit card data as a proxy for liquidity constraints. ... to defaulting. The calculation does not take into account additional debts, such as credit card debts or debts with.
https://www.rba.gov.au/publications/rdp/2020/pdf/rdp2020-03.pdf
Valuing Safety and Privacy in Retail Central Bank Digital Currency
11 Apr 2024
RDP
2024-02
This is one of the main value propositions of a CBDC, since money issued by the RBA has no credit risk. ... by age, sex, income, location, household internet access, and credit card usage.
https://www.rba.gov.au/publications/rdp/2024/2024-02/full.html
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Consumption Behavior across the Distribution of Liquid Assets
19 Dec 2023
Research Workshop
PDF
2239KB
RBA Workshop 2023
https://www.rba.gov.au/publications/workshops/research/2023/pdf/rba-workshop-2023-graham-mcdowall.pdf
Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes
1 Dec 2018
RDP
2018-12
Data from the CPS show a steady shift away from cash as a means of payment over the past decade, driven by an increasing use of cards (credit and debit) to ... debit and credit card payments; and. banknote lodgements at cash depots.
https://www.rba.gov.au/publications/rdp/2018/2018-12/full.html
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Research Discussion Papers – 2018
13 Feb 2018
RDP
Richard Finlay, Andrew Staib and Max Wakefield. RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases.
https://www.rba.gov.au/publications/rdp/2018/