Are you being served?: credit cards WorthingtonSteve 2017 Major reforms to Australias credit card sector by the Reserve Bank have had profound implications for Australian retailers a windfall on one hand, the removal of a useful income stream on the other. On balance, however, theyve come out ahead, reports Steve Worthington. Copyright 2006 Steve Worthington. No part of this article may be reproduced by any means without the written consent of the publisher.