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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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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
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
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
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
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
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
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
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
Measuring Productivity in the Australian Banking Sector
7 Dec 2006
Conferences
PDF
54KB
RBA Conference Volume 1995
https://www.rba.gov.au/publications/confs/1995/pdf/oster-antioch.pdf
Loan Rate Stickiness: Theory and Evidence
31 Jan 2006
RDP
PDF
819KB
High risk credit card borrowers, on the other hand, are more likely to be interest rate sensitive because they fully intend to borrow on their cards. ... When a customer wishes to change credit cards, the new issuer may require her to pay off the balance
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9206.pdf