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.

 Numbers

A

  • 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

B

  • 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

C

D

E

  • 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

F

G

H

  • 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.

I

  • 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

  • J: Business Class
  • JAL: Japan Airlines

K

  • KE: Korean Air

L

M

N

O

P

  • 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
  • PYB: Pay Yourself Back

Q

R

S

  • 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
  • SUB: Sign Up Bonus
  • SW: Southwest Airlines
  • SYWR: Shop Your Way Rewards, Sears loyalty program.

T

U

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

V

W

  • WAG: Walgreens
  • WF: Wells Fargo
  • WMT: Walmart
  • WoH: World of Hyatt
  • WTF: What The F***

X

Y

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

Z

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Rhonda
Rhonda

You have acronyms for many of the popular blogs, groups, sites, etc. and fail to mention 10xT.

Kevin
Kevin

ETF = early termination fee

Kevin
Kevin

OOS = out of state; out of stock

Kevin
Kevin

PYB = Pay Yourself Back

Kevin
Kevin

CMS = credit monitoring services

Kevin

What is an “MDD”? Reference: https://www.reddit.com/r/churning/comments/kto80q/daily_question_thread_january_09_2021/ginq63i?utm_source=share&utm_medium=web2x&context=3

EDIT: Modified Double Dip (applying for two different credit cards at the same bank at nearly the same time).

Sergio
Sergio

I think it would be useful to add ETF — Early Termination Fee

Ryan Rollins

Hey William, this is a great resource! Here are a few more that might be useful.

AMF: Annual Membership Fee
FPF: First Party Fraud
TILA: Truth in Lending Act
Credit C.A.R.D. Act: Credit Card Accountability Responsibility and Disclosure Act

Thank you for pulling this together,

Ryan

Julie
Julie

SFF?

SamSimon
SamSimon

what is PITA ??

Curmudgeon
Curmudgeon

Besides megan partlow’s spam message above?

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

SamSimon
SamSimon

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