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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

9 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Research Discussion Paper – RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases. ... debt, households, interest rates, money, payments. The credit card market offers consumers a wide range of options when choosing a card.
https://www.rba.gov.au/publications/rdp/2018/2018-11.html

Appendix F: End of Survey Questionnaire

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Yes, I closed my main credit card and now I usually use one of my other credit cards. ... Other, please specify ______________. Q8.3.2. Thinking about credit cards in general, what is the most important feature that made you decide to have a credit card
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-f.html

Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

1 Oct 2018 RDP 2018-11
Mary-Alice Doyle
In addition, many credit cards also offer rewards programs, which provide rewards points or rebates that usually increase in proportion to the amount spent on the card. ... For about 60 per cent of cardholders, their main credit card was the only card
https://www.rba.gov.au/publications/rdp/2018/2018-11/full.html

Literature

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
In addition, many credit cards also offer rewards programs, which provide rewards points or rebates that usually increase in proportion to the amount spent on the card. ... If a similar effect is present for some credit card holders, it may help to
https://www.rba.gov.au/publications/rdp/2018/2018-11/literature.html

Appendix A: Monetary and Non-monetary Benefits

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Download the Paper 1.7. MB. This paper calculates the net monetary benefit of respondents' main credit card. ... Figure A1: Perceived Net Benefit from Credit Card. Share of credit card holders, 2016.
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-a.html

Data

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
As part of the Consumer Payments Survey, each respondent identified their main credit card (if they held multiple cards, this was the one they used most often). ... For instance, respondents were asked to select their credit cards from a list and, if
https://www.rba.gov.au/publications/rdp/2018/2018-11/data.html

Introduction

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
RDP 2018-11: Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases 1. ... But some consumers also incur high net costs from their credit card, in both interest charges and fees.
https://www.rba.gov.au/publications/rdp/2018/2018-11/introduction.html

Appendix E: Switching Behaviour Regression Output

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
a) Also include controls for age, employment status, typical value of bank deposits, number of credit cards, number of bank branches in home postcode, credit card interest rate, and card type ... a) Also includes controls for age, employment status,
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-e.html

Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

1 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Research Discussion Paper – RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases.
https://www.rba.gov.au/publications/rdp/2018/2018-11/sections.html

References

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
RDP 2018-11: Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases References. ... ASIC (2018), ‘Credit Card Lending in Australia’, Report 580, July. Australian Treasury (issuing body) (2016), Credit Cards: Improving Consumer Outcomes
https://www.rba.gov.au/publications/rdp/2018/2018-11/references.html