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RBA Glossary definition for card issuer

card issuer – An institution that provides its customers with debit or credit cards.

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Appendix F: End of Survey Questionnaire

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Customer service or quality of the card issuer's website/apps. Less costly to use overseas. ... Linked to my mortgage/other bank accounts. Customer service or quality of the card issuer's website/apps.
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 an experiment, a credit card issuer sent card solicitations with varying introductory interest rate offers to 600,000 consumers (Shui and Ausubel 2005). ... The detailed features of these cards, including fees, interest rates and rewards programs were
https://www.rba.gov.au/publications/rdp/2018/2018-11/full.html

Data

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
from card issuers' websites. ... The detailed features of these cards, including fees, interest rates and rewards programs were obtained from card issuers' websites in late 2016.
https://www.rba.gov.au/publications/rdp/2018/2018-11/data.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. ... In an experiment, a credit card issuer sent card solicitations with varying
https://www.rba.gov.au/publications/rdp/2018/2018-11/literature.html

Barriers to Switching

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
they held a different credit card, only a relatively small number of cardholders switch cards. ... the administrative burden and time involved, potentially including establishing a relationship with a new bank or card issuer, was too high.
https://www.rba.gov.au/publications/rdp/2018/2018-11/barriers-to-switching.html

Distribution of Monetary Costs and Benefits

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Card issuers would likely adjust their pricing models if a large portion of consumers were to behave in this way. ... 28 ASIC (2018) estimated that consumers carrying balances on higher-rate cards could save an average of roughly $340 if they held a lower
https://www.rba.gov.au/publications/rdp/2018/2018-11/distribution-of-monetary-costs-and-benefits.html

Evidence of Behavioural Biases?

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
a) Respondents were asked ‘Thinking about when you first opened your main credit card account, what factors influenced your decision to choose this card over other credit cards?’. ... Australian regulations prohibit card issuers from sending
https://www.rba.gov.au/publications/rdp/2018/2018-11/evidence-of-behavioural-biases.html

Estimating the Net Monetary Benefits of Credit Card Holding

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
This average estimate is different from the net cost or profit to card issuers, most notably because my calculations are based on the value of the interest-free period to the ... Over 10 per cent of rewards card holders stated that they had never
https://www.rba.gov.au/publications/rdp/2018/2018-11/estimating-the-net-monetary-benefits-of-credit-card-holding.html