Search: charge card
RBA Glossary definition for charge card
charge card – A charge card is a card whose holder has been granted a non-revolving credit line enabling the holder to make purchases and possibly make cash advances. A charge card does not offer extended credit; the full amount of any debt incurred must be settled at the end of a specified period.
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Merchant Service Fees and Market Shares for Credit and Charge Cards
17 Aug 2005
Bulletin
PDF
104KB
Reserve Bank of Australia Bulletin August 2005
https://www.rba.gov.au/publications/bulletin/2005/aug/pdf/bu-0805-2.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - Introduction
5 Dec 2001
PDF
43KB
finding that distortions in credit and charge card prices can lead to excessive card use. ... As shown in the diagram, consumers obtain credit and charge cards from card issuers.
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/introduction.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - Conclusion
5 Dec 2001
PDF
38KB
51. 170. The screen for whether a credit or charge card system should be subject to a ban on no-surcharge rules should be based on market power. ... 171. A full analysis of market power in the Australian market for credit and charge card systems is
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/conclusion.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - Appendix on Relevant Markets…
5 Dec 2001
PDF
54KB
charge cards relative to other payment mechanisms if those payment mechanisms are in distinct relevant markets. ... Policy makers should, however, be concerned for two reasons. First, there may be distortions among credit and charge cards.
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/appendix.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - Industry Overview
5 Dec 2001
PDF
72KB
As shown in the diagram, consumers obtain credit and charge cards from card issuers. ... The set of merchants honoring a given credit and charge card system’s cards constitute that system’s acceptance network and is also a core system service.
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/industry-overview.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - The Possibility of…
5 Dec 2001
PDF
57KB
39. The fact that credit and charge card use may not increase aggregate consumption, or may do so by significantly less than some parties imply, does not mean that credit cards ... 43. The credit and charge card industry can exhibit both types of network
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/externalities.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - Consumer and Merchant…
5 Dec 2001
PDF
64KB
The corresponding figures for a charge card were $2.01 and 2.9 percent. ... 39. The fact that credit and charge card use may not increase aggregate consumption, or may do so by significantly less than some parties imply, does not mean that credit cards
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/benefits-cardholding.pdf
Merchant Service Fees for Credit Cards
14 Jul 2004
Bulletin
PDF
53KB
Effective endOctober 2003, the Bankcard, MasterCard andVisa credit card schemes have been requiredto set this fee in conformity with a benchmarkbased on the costs incurred by banks issuingcredit cards. ... These institutionsaccount for almost all of the
https://www.rba.gov.au/publications/bulletin/2004/jul/pdf/bu-0704-2.pdf
The Evolution of Consumer Payments in Australia: Results from the 2022 Consumer Payments Survey
21 Nov 2023
RDP
PDF
2354KB
Debit cards 15 22 24 30 44 51. Credit and charge cards 11 9 19 22 19 26. ... Credit and charge cards 23 16 31 28 25 26. BPAY 10 10 11 8 9 8.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-08.pdf
Network Effects, Interchange Fees, and No-Surcharge Rules in The Australian Credit And Charge Card Industry - Welfare Analysis of…
5 Dec 2001
PDF
93KB
Moreover, if credit and charge cards would be used in the presence of surcharging (i.e., in absence of no-surcharge rules), non-card users would enjoy the claimed benefits of ... 45. incentives to set retail prices that promote card use. Moreover,
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/ii-commissioned-report/pdf/welfare-analysis.pdf