Asia-Pacific consulting firm JD Power has presented the results of its latest study of satisfaction levels among 4000 Australian credit card users.The company noted that these findings come during "an eventful year" for the credit card industry in Australia, courtesy of the Reserve Bank of Australia's changes to card payments regulation. These new rules were intended to ensure cardholders are not surcharged excessively, among other changes. The RBA's objective seems to have worked, according to JD Power, as 44 per cent of the cardholders surveyed said they had noticed a reduction in the amount of surcharges on their credit cards. The study also found that spending increased by 18 per cent, when compared with last year (A$1,547 per month, up from $1,311 per month).While usage of banks' mobile apps increased by 11 percentage points from last year (37 per cent, up from 26 per cent), the proportion of cardholders using mobile payment services in Australia only increased to 14 per cent in 2017 from eight per cent last year - far lower than other comparable markets, such as the United States (22 per cent), Hong Kong (41 per cent) and Singapore (26 per cent). The 2017 Australia Credit Card Satisfaction Study examined customer satisfaction with the product and service provided by their main financial institution. The study measures overall satisfaction in six key factors: interaction (31 per cent); credit card terms (26 per cent); billing and payment (21 per cent); rewards (10 per cent); benefits and services (eight per cent); and problem resolution (four per cent).Coverage includes 21 major credit card issuers in the market, 14 of which are rank-eligible, with scores based on the customer's primary card used. The study was fielded in August-September 2017.