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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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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

9 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Research Discussion Paper – RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases. ... debt, households, interest rates, money, payments. The credit card market offers consumers a wide range of options when choosing a card.
https://www.rba.gov.au/publications/rdp/2018/2018-11.html

Literature

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
In addition, many credit cards also offer rewards programs, which provide rewards points or rebates that usually increase in proportion to the amount spent on the card. ... If a similar effect is present for some credit card holders, it may help to
https://www.rba.gov.au/publications/rdp/2018/2018-11/literature.html

Appendix F: End of Survey Questionnaire

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Yes, I closed my main credit card and now I usually use one of my other credit cards. ... Other, please specify ______________. Q8.3.2. Thinking about credit cards in general, what is the most important feature that made you decide to have a credit card
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-f.html

Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

1 Oct 2018 RDP 2018-11
Mary-Alice Doyle
In addition, many credit cards also offer rewards programs, which provide rewards points or rebates that usually increase in proportion to the amount spent on the card. ... For about 60 per cent of cardholders, their main credit card was the only card
https://www.rba.gov.au/publications/rdp/2018/2018-11/full.html

Appendix A: Monetary and Non-monetary Benefits

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Download the Paper 1.7. MB. This paper calculates the net monetary benefit of respondents' main credit card. ... Figure A1: Perceived Net Benefit from Credit Card. Share of credit card holders, 2016.
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-a.html

Data

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
As part of the Consumer Payments Survey, each respondent identified their main credit card (if they held multiple cards, this was the one they used most often). ... For instance, respondents were asked to select their credit cards from a list and, if
https://www.rba.gov.au/publications/rdp/2018/2018-11/data.html

Appendix E: Switching Behaviour Regression Output

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
a) Also include controls for age, employment status, typical value of bank deposits, number of credit cards, number of bank branches in home postcode, credit card interest rate, and card type ... a) Also includes controls for age, employment status,
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-e.html

Appendix B: Estimation and Sensitivity Testing of Net Monetary Benefit

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Figure B1: How Do You Redeem Your Rewards Points? Share of rewards credit card holders, 2016. ... Cumulative distribution across credit card holders, 2016. Source: Author's calculations, based on data from Ipsos and RBA.
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-b.html

Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases

1 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Research Discussion Paper – RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases.
https://www.rba.gov.au/publications/rdp/2018/2018-11/sections.html

Barriers to Switching

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
RDP 2018-11: Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases 7. ... they held a different credit card, only a relatively small number of cardholders switch cards.
https://www.rba.gov.au/publications/rdp/2018/2018-11/barriers-to-switching.html