Popular Credit, Finance & Travel hacking Acronyms

This page is dedicated to the growing number of credit acronyms used on this site and others. If you come across an acronyms not on this list that you feel should be included, please contact us so we can get it added. Make sure you use “Acronyms” as the subject line.

If you’d like to find out more about a particular acronym, click the hyperlink if available to view the full knowledge base.



  • A+: Barclaycard Arrival Plus
  • AA: American Airlines or Adverse Action
  • AAoA: Average Age of Accounts
  • ACH: Automated Clearing House, users will often talk about what ACH transactions worked to trigger bank account bonuses. Datapoints for that can be found here.
  • AF: Annual Fee
  • AFAIK: As Far As I Know
  • AG: Attorney General
  • AGC: American Express Giftcard
  • AmEx: American Express
  • AOR: App-ORama
  • AP: Amazon Payments
  • APR: Annual Percentage Rate
  • APY: Annual Percentage Yield
  • ARS: Advance Resolution Services
  • AS: Alaska Airlines
  • AU: Authorized User
  • AW: AwardWallet


  • B6: Jetblue Airways
  • BA: British Airways
  • BBB: Better Business Bureau
  • BB/BBY: Best Buy or Bluebird (BB only)
  • BB+/BBP: Blue Business Plus
  • BBR: Better Balance Rewards
  • BCE: Blue Cash Everyday
  • BCP: Blue Cash Peferred
  • BF: BeFrugal
  • BGR: Business Gold Rewards
  • BOA/BofA: Bank of America
  • BRM: Business Relationship Manager. Manager at Chase that deals with high value business accounts, has been useful for bypassing the 5/24 rule in the past.
  • BRG: Business Rewards Gold or Best Rate Gaurantee




  • ECOA: Equal Credit Opportunity Act
  • ED: AmEx Everyday
  • EDP: AmEx Everyday Preferred
  • EK: Emirates Airlines
  • ENES: Experian National Equivalency Score
  • EQ: Equifax
  • EWS: Early Warning Systems
  • EY: Etihad Airlines
  • EXExperian




  • HH: Hilton Honors or Heavy Hitters
  • HP: Hard Pull, an inquiry on your credit that does affect your score
  • HSA: Health Savings Account
  • HUCA: Hang Up, Call Again. Often if you don’t get the response from a customer service representative you want/expect the advice is to HUCA.


  • IHG: Intercontinental Hotel Group
  • INK: Chase Ink Cards (usually referring to the Chase Ink Cash & Cash Ink Plus & Not Chase Ink Preferred as that card has a different earning structure)


  • J: Business Class
  • JAL: Japan Airlines


  • KE: Korean Air






  • PC: Product Change/Conversion
  • PFD: Personal Finance Digest
  • PO: Post Office
  • POS: Point Of Sale
  • PP: Priority Pass or Paypal
  • PPBDMC: Paypal Business Debit Mastercard
  • PPDG: Paypal Digital Giftcards
  • PPMC: Paypal MyCash
  • PRG: Premier Rewards Gold




  • SAH: Shop At Home
  • SCF: Saverocity Forums
  • SD: Slickdeals
  • SM: Secured Message
  • SP: Soft Pull, an inquiry on your credit that doesn’t affect your score
  • SPG: Starwood Preferred Guest
  • SSN: Social Security Number
  • SW: Southwest Airlines
  • SYWR: Shop Your Way Rewards, Sears loyalty program.



  • UA: United Airlines
  • USB: U.S. Bank
  • ULCC = Ultra Low-Cost Carrier
  • USPS: United States Postal Service
  • UR: Ultimate Rewards, Chase branded loyalty program.



  • WAG: Walgreens
  • WF: Wells Fargo
  • WMT: Walmart
  • WTF: What The F***



  • Y: Economy Class
  • YMMV: Your Mileage May Vary


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Great list. I wish I had this when I started out reading flyer talk. Is there any room for slang? like:
beans= Vanilla reload
Kate= Kiosk (Walmart)

Just a thought..


Kate = Kiosk at the entrance

Please add ARS. I have no idea what it means. I’ve seen it in the US Bank closure thread though.

I’m a newbie here. Just wondering what INK stands for?

What about DP?

TPM The Plastic Merchant
WAG walgreens
GS Gamestop
HH heavy hitter (also Hilton Honors already in list)

Since you don’t have anything for L yet –

LMGTFY – Let Me Google That For You Likely to be seen by new folks at some point.

[…] of Credit has an interesting list: Popular Credit, Finance & Travel hacking Acronyms. ‘TBB’ is on it so this stays here. But if he links to VFTW it goes down […]

WM is short for WallMart?

what is PITA ??

Besides megan partlow’s spam message above?

Pain in the A**
It’s also a type of bread 🙂

Oh, I see, thx! Yeah, it’s wrong place for Megan here!

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