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
21 Nov 2022
FSR
- April 2022
PDF
1082KB
https://www.rba.gov.au/publications/fsr/2022/apr/pdf/02-household-business-finances.pdf
Domestic Regulatory Developments
8 Oct 2021
FSR
– October 2021
The CFR closely monitors credit conditions, with housing credit a focus in 2021. ... The Bank issued a consultation paper presenting preliminary conclusions in May 2021, which covered: issuance of dual-network debit cards and promotion of ‘least-cost
https://www.rba.gov.au/publications/fsr/2021/oct/regulatory-developments.html
Financial Intermediaries
10 Mar 2006
FSR
– March 2006
Competition has also intensified in the credit card market. It has been particularly vigorous in the ‘no frills’ segment of the market, with more than a dozen low-rate cards being ... The lowering of interest rates on credit cards has also prompted
https://www.rba.gov.au/publications/fsr/2006/mar/fin-intermed.html
Financial Intermediaries
10 Sep 2005
FSR
– September 2005
Competition and new product offerings are also affecting the margins that banks earn on personal lending, including those on credit cards. ... In particular, a number of credit card issuers now offer ‘low rate’ cards with interest rates in the 10 to
https://www.rba.gov.au/publications/fsr/2005/sep/fin-intermed.html
Financial Stability Review – September 2008
13 Oct 2008
FSR
– September 2008
PDF
692KB
https://www.rba.gov.au/publications/fsr/2008/sep/pdf/0908.pdf
Household and Business Finances in Australia
9 Oct 2020
FSR
– October 2020
Many have increased their financial resilience through higher mortgage prepayments, paying down personal credit balances, and increasing their savings. ... In aggregate, households have also been paying down balances on credit cards.
https://www.rba.gov.au/publications/fsr/2020/oct/household-business-finances-in-australia.html
Financial Stability Review
18 Nov 2022
FSR
- October 2021
PDF
3266KB
https://www.rba.gov.au/publications/fsr/2021/oct/pdf/financial-stability-review-2021-10.pdf
The Australian Financial System
26 Mar 2014
FSR
March 2014
PDF
724KB
https://www.rba.gov.au/publications/fsr/2014/mar/pdf/aus-fin-sys.pdf
The Australian Financial System
10 Apr 2018
FSR
– April 2018
This recent improvement was driven by a decline in credit card NPLs. ... Other notable revisions to credit risk would include materially raising risk weights on credit cards for IRB banks, simplifying the capital treatment of small and medium enterprise
https://www.rba.gov.au/publications/fsr/2018/apr/australian-financial-system.html
Credit Quality in the Australian Non-Government Bond Market
19 Apr 2004
FSR
PDF
96KB
As the range of mortgages securitised has broadened to include non-conforming loans, and other assets such as credit-card receivables have begun to be securitised, the proportion of asset-backed ... A-. Orange line shows ratings abstracting from
https://www.rba.gov.au/publications/fsr/2004/mar/pdf/0304-2.pdf