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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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Credo et Fido: Credit and Trust

25 Sep 2012 Speech
Guy Debelle
Deakin University's 2012 Richard Searby Oration delivered by Guy Debelle, Assistant Governor (Financial Markets), Melbourne
https://www.rba.gov.au/speeches/2012/sp-ag-250912.html

The Reserve Bank of Australia - Post Wallis

27 Feb 2001 Speech PDF 73KB
They determine the revenue flows associated with card transactions,the costs ultimately borne by merchants and card-holders, the incentives to useand accept credit and debit cards and the terms of ... 12. encouraging use of credit cards rather than
https://www.rba.gov.au/speeches/1999/pdf/sp-ag-281099.pdf

Transcript of Question & Answer Session on 12 December 2023

12 Dec 2023 Speech
Michele Bullock
Transcript of Question & Answer Session , Australian Payments Network Summit, Sydney
https://www.rba.gov.au/speeches/2023/sp-gov-2023-12-12-q-and-a-transcript.html

Real-time Payments in Australia

5 May 2022 Speech PDF 265KB
We expectthat account-to-account credit transfers will continue to migrate from DE to the NPP. ... payments. In Australia,card payments are the dominant payment method for both in-store and online purchases.
https://www.rba.gov.au/speeches/2022/pdf/sp-so-2022-05-03.pdf

The Ongoing Evolution of the Australian Payments System

23 Feb 2016 Speech
Anthony Richards
Speech at the Payments Innovation 2016 Conference, Sydney
https://www.rba.gov.au/speeches/2016/sp-so-2016-02-23.html

The Many Faces of Risk in Banking

12 Jun 1997 Speech
Graeme Thompson
Talk by Graeme Thompson to the Australian Institute of Banking and Finance, Canberra
https://www.rba.gov.au/speeches/1997/sp-dg-120697.html

An eAUD?

13 Dec 2017 Speech
Philip Lowe
Speech delivered by Philip Lowe, Governor, at the 2017 Australian Payment Summit, Sydney
https://www.rba.gov.au/speeches/2017/sp-gov-2017-12-13.html

Payments: The Future?

8 Dec 2021 Speech PDF 299KB
There has been particularly strong growth in debit card transactions as peoplehave switched from credit to debit. ... It can also help tostreamline the credit assessment processes and help consumers get a better deal.
https://www.rba.gov.au/speeches/2021/pdf/sp-gov-2021-12-09.pdf

Innovation and Governance of Payment Systems

16 Sep 2005 Speech
Philip Lowe
Speech by Philip Lowe to the Financial Review Conference, Banktech.05, Sydney
https://www.rba.gov.au/speeches/2005/sp-ag-160905.html

The Preliminary Conclusions of the Payments System Review

4 Jun 2008 Speech
Philip Lowe
Speech by Philip Lowe to the Visa Forum 2008, Hamilton Island, Queensland
https://www.rba.gov.au/speeches/2008/sp-ag-040608.html