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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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Submission to the Senate Select Committee on Financial Technology and Regulatory Technology – December 2019 | Payments System | Submissions

28 Dec 2019 Submissions
Increasing use of debit and credit cards for lower-value payments has been the most notable aspect of the growth in electronic payments to date. ... The access regimes currently in place for the Visa and Mastercard credit card schemes have helped
https://www.rba.gov.au/publications/submissions/payments-system/financial-and-regulatory-technology/index.html

List of tables | Submission to the Financial System Inquiry March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
Table 8.3: Selected Interchange Fees on a $100 Credit Card Transaction. ... Finance product. Share of respondents. Credit card. 73. Secured bank loan.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/tables.html

Developments and Innovation in the Payments System | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…

1 Mar 2014 Submissions
For non-cash payments, since 1997 there has been a marked increase in the absolute and relative use of debit and credit/charge cards (Credit card use grew strongly in the ... This reflected the Wallis Report's finding that ad valorem interchange fees on
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/developments-and-innovation.html

Submission to the ACCC: eBay and PayPal – 2 May 2008 | Payments System | Submissions

2 May 2008 Submissions
For example, the ‘honour all cards’ rule imposed by card schemes required merchants to accept debit card products if they also accepted credit card products. ... The cost of refusing to do so was high; the merchant could not accept the scheme's more
https://www.rba.gov.au/publications/submissions/payments-system/ebay-and-paypal/

Figure 8B.1 | Submission to the Financial System Inquiry – March 2014

19 Mar 2019 Submissions
debit cards) or later (e.g. credit cards). The transaction amount is paid by the cardholder's financial institution to the merchant's financial institution who in turn pays the merchant. ... However, in the case of credit card transactions, cardholders
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/graphs/figure-8b.1.html

References | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
the Credit Card Market’, The American Economic Review, 81(1), pp 50–81. ... RBA (2015b), ‘Review of Card Payments Regulation’, March. RBA (2015c), ‘Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates’, August.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/references.html

Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
credit. There have been other effects of the tightening in lending standards by ADIs. ... Small businesses may source equipment finance from specialist companies and trade credit or they may use personal finance such as credit cards and home loans
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html

Payments System Issues | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions

6 Sep 1996 Submissions
One common complaint is that non-bank companies, not subject to banking regulation, are unfairly eroding banks' credit card business. ... The payment is processed through the credit card clearing and settlement system as are cards authorised by signature
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/payments-system-issues.html

List of tables | Submission to the Inquiry into Competition in the Banking and Non-Banking Sectors – August 2015 | Financial Sector |…

27 Aug 2015 Submissions
Download 906. KB. Chapters. Table 1: Credit Card Interchange Fees. (a). ... f) MasterCard PayPass transactions equal to or less than $60, excluding commercial credit cards.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/tables.html

List of tables | Submission to the Inquiry into the Australian Banking Industry – January 1991 | Financial Sector | Submissions

1 Jan 1991 Submissions
Comprehensive Transaction Accounts. For customers wanting one account which includes cheque book, ATM access, daily crediting of interest, links to credit cards, regular payment of bills, and an overdraft facility. ... Home Equity Loans/Secured Lines of
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-australian-banking-industry/tables.html