Search: credit card
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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Household and Business Finances
4 Oct 2019
FSR
– October 2019
The progressive expansion of Comprehensive Credit Reporting to cover mortgages, as well as credit cards, is unlikely to meaningfully reduce credit supply. ... More recently, the increased use of buy-now-pay-later services may be contributing to a decline
https://www.rba.gov.au/publications/fsr/2019/oct/household-business-finances.html
Financial Stability Review - March 2006
28 Mar 2006
FSR
- March 2006
PDF
645KB
https://www.rba.gov.au/publications/fsr/2006/mar/pdf/0306.pdf
Developments in the Financial System Architecture
20 Oct 2016
FSR
– October 2016
The PSB also determined that new interchange standards will keep the weighted-average interchange fee benchmark for credit cards at 0.50 per cent, but lower the benchmark for debit cards ... To address issues of competitive neutrality, interchange-like
https://www.rba.gov.au/publications/fsr/2016/oct/dev-fin-sys-arch.html
Box B: Competition in Household Lending in New Zealand and the United Kingdom
27 Mar 2006
FSR
– March 2006
PDF
30KB
https://www.rba.gov.au/publications/fsr/2006/mar/pdf/box-b.pdf
Domestic Regulatory Developments
8 Apr 2022
FSR
– April 2022
In conjunction with the information paper, APRA conducted a public consultation on an update of its credit risk management prudential standard. ... These are the Mastercard debit and credit card systems, the Visa debit and credit card systems, the EFTPOS
https://www.rba.gov.au/publications/fsr/2022/apr/regulatory-developments.html
1. The Global and Macro-financial Environment
9 Oct 2023
FSR
- October 2023
PDF
917KB
https://www.rba.gov.au/publications/fsr/2023/oct/pdf/01-global-financial-environment.pdf
Financial Stability Review
1 Apr 2004
FSR
PDF
611KB
Credit cards. Sources: ABS; RBA. Reserve Bank of Australia. 7. of household disposable income; prior to this, the usual pattern was for the household sector to inject equity into the housing ... Growth in credit card cash advances – another potential
https://www.rba.gov.au/publications/fsr/2004/mar/pdf/0304.pdf
Credit Quality in the Australian Non-Government Bond Market
10 Mar 2004
FSR
– March 2004
Financial Stability Review – March 2004 Credit Quality in the Australian Non-Government Bond Market. ... As the range of mortgages securitised has broadened to include non-conforming loans, and other assets such as credit-card receivables have begun
https://www.rba.gov.au/publications/fsr/2004/mar/credit-quality-aus-non-gov-bond-mkt.html
The Australian Financial System
10 Sep 2007
FSR
– September 2007
Strong competition has also been evident over recent years in the personal lending market, especially in credit cards. ... credit card debt, from nearly 85 per cent five years ago.
https://www.rba.gov.au/publications/fsr/2007/sep/aus-fin-sys.html
Financial Stability Review
10 Feb 2020
FSR
April 2018
PDF
2840KB
https://www.rba.gov.au/publications/fsr/2018/apr/pdf/financial-stability-review-2018-04.pdf