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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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Credit and Charge Cards

20 Sep 2005 PSB Annual Report – 2005
cards. Imposing a charge allows them to accept credit cards, with the customer then free to choose whether the value they receive from using the card exceeds the cost of doing ... than twice that on debit cards, reflecting the larger average value of a
https://www.rba.gov.au/publications/annual-reports/psb/2005/credit.html

Joint Media Release: Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access

10 Oct 2000 Media Release
Joint Media Release Debit and Credit Card Schemes in Australia A Study of Interchange Fees and Access. ... aspect of the Australian payments system – the networks for ATMs, credit cards and debit cards.
https://www.rba.gov.au/media-releases/2000/jmr-rba-accc.html

Reform of Credit Card Schemes in Australia

19 Sep 2003 Media Releases
Announces that the RBA welcomes today's decision by the Federal Court which dismissed an application by Visa International and MasterCard International challenging credit card reforms. The Court's decision clears the way for the final implementation
https://www.rba.gov.au/media-releases/2003/mr-03-12.html

Study of Interchange Fees and access in Debit and Credit Card Schemes Australian Competition and Consumer Commission and the Reserve Bank…

16 Sep 1999 Media Releases
Joint study into interchange fees for debit and credit cards, and membership criteria for credit cards
https://www.rba.gov.au/media-releases/1999/mr-99-accc.html

Opening Statement to the Senate Economics References Committee Inquiry into Matters Relating to Credit Card Interest Rates

27 Aug 2015 Speech
Malcolm Edey
Appearance by Malcolm Edey, Assistant Governor (Financial System), at the Inquiry into Matters Relating to Credit Card Interest Rates, before the Senate Economics References Committee, Sydney
https://www.rba.gov.au/speeches/2015/sp-ag-2015-08-27.html

Regulatory Framework | Credit Cards

9 Mar 2023
remove restrictions that require merchants to accept the debit cards of a scheme if they accept that scheme's credit cards and. ... From 1 January 2022, the designated credit card systems – Mastercard and Visa – will be required to publish
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/regulatory-framework.html

Payment Cards

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Since the 2013 survey, the share of debit card payments has increased by slightly more than that of credit cards (6 percentage points compared with 3 percentage points). ... Figure 6: Why Hold a Credit Card? Most important reason, by age, 2016.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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Regulatory Decisions | Credit Cards

9 Mar 2023
Links to regulations decisions relating to Credit Cards
https://www.rba.gov.au/payments-and-infrastructure/credit-cards/regulatory-decisions.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

Interchange Fees for the Bankcard, Mastercard and Visa Credit Card Schemes

31 Oct 2003 Media Releases
Credit card reform has resulted in interchange fees charged by Bankcard, MasterCard and Visa card schemes to be reduced to around a little over half of their previous level. The Reserve Bank is confident that competition will ensure that the new,
https://www.rba.gov.au/media-releases/2003/mr-03-14.html