Conduct of inquiry
Background to inquiry
Structure of report

Use of credit cards in Australia
'Revolvers' and 'transactors'
Providers of credit cards
Credit card interest rates and spreads: variations and trends
Australian credit card interest rates: international comparisons
Responsible lending obligations for credit card providers
Understanding the impact of high credit card interest rates

'Up like a rocket, down like a feather': Credit cards and the RBA cash rate
The role of behavioural biases in informing credit card interest rates
Should credit card interest rates be regulated?
Card providers: headline rates are steady, but effective rates have fallen
Card providers: funding costs only one component of credit card costs
Profitability of credit card portfolios

Competition and consumer choice in the credit card market
Breaking the 'confusopoly': empowering consumers to compare the market
Switching and closing credit cards
Peer-to-peer lending and differentiated interest rates

Long-term credit card debt and responsible lending obligations
Minimum repayments and amortisation periods
Balance transfers
Financial literacy
Hardship supports for people struggling with credit card debt

Overview of interchange fees, merchant fees and surcharges
Designated and regulated payment systems
Payment systems reform in the early 2000s
Views on interchange fees
Views on surcharging
Financial System Inquiry and government response
Reserve Bank of Australia Review of Card Payments Regulation