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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 Personal Credit Card Market in Australia: Pricing over the Past Decade

10 Mar 2012 Bulletin – March 2012
Iris Chan, Sophia Chong and Stephen Mitchell
Another development related to changes in the schemes' interchange fee schedules has been the introduction of a new credit card product: super-premium cards. ... Over time, credit card products with companion cards attached have increasingly replaced
https://www.rba.gov.au/publications/bulletin/2012/mar/7.html

Merchant Service Fees for Credit Cards

10 Jul 2004 Bulletin – July 2004
in fees (known as merchant service fees) that banks charge merchants for providing credit card facilities. ... Interchange fees on MasterCard and Visa cards issued overseas have not fallen and so merchants in that sector have not benefited as much from
https://www.rba.gov.au/publications/bulletin/2004/jul/2.html

Abstract for The Personal Credit Card Market in Australia: Pricing over the Past Decade

10 Mar 2012 Bulletin – March 2012
Iris Chan, Sophia Chong and Stephen Mitchell
Bulletin – March 2012 The Personal Credit Card Market in Australia: Pricing over the Past Decade Abstract. ... For example, over the past decade the effective price to cardholders for using a credit card has increased, encouraging the use of
https://www.rba.gov.au/publications/bulletin/2012/mar/bu-0312-7a.html

Consumer Credit and Household Finances

10 Jun 1999 Bulletin – June 1999
Debt outstanding on bank-issued credit cards has also grown strongly (Graph 4). ... Growth in credit card debt has been concentrated in credit cards with an interest-free period, suggesting that users are not seeking longer-term finance to make purchases
https://www.rba.gov.au/publications/bulletin/1999/jun/2.html

Bank Fees in Australia

25 Jan 2024 Bulletin – January 2024
Jessica Dunphy
This article updates Reserve Bank research on bank fees charged to Australian households, businesses and government.
https://www.rba.gov.au/publications/bulletin/2024/jan/bank-fees-in-australia.html

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. ... Sources: RBA and schemes’ websites. Merchant
https://www.rba.gov.au/publications/bulletin/2004/jul/pdf/bu-0704-2.pdf

The Personal Credit Card Market in Australia: Pricing over the Past Decade

14 Mar 2012 Bulletin PDF 162KB
Reserve Bank of Australia Bulletin March Quarter 2012
https://www.rba.gov.au/publications/bulletin/2012/mar/pdf/bu-0312-7.pdf

Merchant Service Fees and Market Shares for Credit and Charge Cards

10 Aug 2005 Bulletin – August 2005
The Bank has been collecting data on the value and number of credit card transactions in Australia since 1984 and broadened the collection to include charge cards in 2002. ... The data show that around 83 per cent of the value of purchases on credit and
https://www.rba.gov.au/publications/bulletin/2005/aug/2.html

How Australians Pay: New Survey Evidence

16 Mar 2017 Bulletin – March 2017
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
The Reserve Bank's 2016 Consumer Payments Survey showed that Australian consumers are increasingly using their debit or credit cards instead of paying in cash or writing cheques. While more and more small payments are being made with contactless
https://www.rba.gov.au/publications/bulletin/2017/mar/7.html

A Guide to the Card Payments System Reforms

15 Mar 2011 Bulletin PDF 274KB
Reserve Bank of Australia Bulletin September 2010
https://www.rba.gov.au/publications/bulletin/2010/sep/pdf/bu-0910-7.pdf