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Updated Abbreviation List

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Frequent Contributor

Updated Abbreviation List

While there is an existing abbreviation thread, there are a number of initials I've seen being used that aren't listed on the old one. So here's an update in alphabetical order:

 

AA = adverse action (lowered credit limits, closed cards, negative reports on credit, etc.)

AF = annual fee

AMEX = American Express

AOR = "App O Rama" (see App Spree)

App = apply / application
App Spree = applying for several cards and/or credit lines in a short period of time

AU = additional user / authorized user 

Baddies = negative factors on credit reports

BC/OBC = American Express Blue Cash / "Old Blue Cash"
BCE = American Express Blue Cash Everyday
BCP = American Express Blue Cash Preferred

BK/BR = bankruptcy

BoA = Bank of America

BT = balance transfer

Cap 1 = Capital One

CC = credit card
CCC = credit card company

CL = credit limit or current limit

CL = Community Leader (in the MyFICO forums)

CLD = credit limit decrease

CLI = credit limit increase

CR = credit report

CRA = credit reporting agency (TransUnion, Experian, Equifax, etc).

CSP = Chase Sapphire Preferred
CU = credit union

DC = Citi Double Cash

DCU = Digital Federal Credit Union
DH = dear husband

DM = dear mother
DW = dear wife

ED = American Express Every Day

EDP = American Express Every Day Preferred

EE = Early Exclusion

EO = Executive Office

EQ = Equifax
EX = Experian

FAKO = credit reports using other formulas, less used by lenders

FICO = credit reports according to Fair Isaac formula, most used by lenders

FOTM = Flavor of the month (popular new cards with uncertain staying power)

FSR = friendly, supportive, & respectful (part of MyFICO forum code of conduct and how we strive to act toward each other on the forums)

FTF = foreign transaction fee

FU = Chase Freedom Unlimited (please ignore any other connotation for those initials)

FWIW = for what it's worth

Gardening = choosing NOT to apply for new lines of credit

HP = hard pull (credit check listed as an inquiry on credit report)

IHG = intercontinental hotels group

IIB/IIBK = included in bankruptcy

IIRC = if I recall correctly

IMO/IME = in my opinion / in my experience

INQ = inquiries listed on credit report

JK = just kidding

LOL = laughing out loud

NFCU = Navy Federal Credit Union
OP = original poster
PC = product change (change the name & type of a credit card to another issued by the same company)

PenFed = Pentagon Federal Credit Union

PRG = American Express Premier Rewards Gold

Prime = desirable; usually used to reference cards with better features, rewards, or perks; lower interest rates; and greater perceived stability

QS = Capital One Quicksilver
Recon = ask company to reconsider a denial of credit

SCT = shopping cart trick (using the shopping cart features of online stores to apply for store credit cards with a soft pull only)

SL = starting limit (initial credit limit on card acceptance)

SO = Significant Other

SP = soft pull (credit check not listed as an inquiry)

Sub-prime = less desirable; usually used to reference store cards or cards designed for lower credit scores

TL = trade lines / credit lines

TOS = terms of service
TU = TransUnion

USAA = United Services Automobile Association (provides banking, credit, & insurance to present & former US soldiers and their families)

UW = underwriter (someone who makes decisions regarding lending to customers)

VS = 1.) Visa Signature (the highest level of benefits provided on a Visa card in the US); 2.) Victoria's Secret
WEMC = World Elite MasterCard (the highest level of MasterCard features, benefits similar to Visa Signature)
WMC = World MasterCard (offers special features from MasterCard, but not quite as many as World Elite)

YMMV / YEMV = your mileage may vary / your experience may vary

Let me know what I missed and I'll add it in. Hope this helps!

American Express Blue Cash Everyday, $18.4k limitCapital One Quicksilver, $11k limitChase Amazon Rewards, $6k limitBarclay Ring, $2.5k limit
Don't know what something means? Check out the Updated Abbreviations List!  
FICO Scores: TransUnion 775, Experian 797
Message 1 of 38
37 REPLIES 37
Established Contributor

Re: Updated Abbreviation List

The other day someone commented after me on a post and referred to his hubby as DW. I thought that was cool. No need to point out the difference with a special indicator abbreviation.

Have a fabulous day.

3B profile optimization in progress...
Message 2 of 38
Mega Contributor

Re: Updated Abbreviation List


@afuche wrote:

While there is an existing abbreviation thread, there are a number of initials I've seen being used that aren't listed on the old one. So here's an update in alphabetical order:

 

AA = adverse action (lowered credit limits, closed cards, negative reports on credit, etc.)

AF = annual fee

AMEX = American Express

App = apply / application
App Spree = applying for several cards and/or credit lines in a short period of time

AU = additional user / authorized user 

Baddies = negative factors on credit reports

BC = American Express Blue Cash
BCE = American Express Blue Cash Everyday
BCP = American Express Blue Cash Preferred

BK/BR = bankruptcy

BoA = Bank of America

BT = balance transfer

Cap 1 = Capital One

CC = credit card
CCC = credit card company

CL/SL = credit limit/spending limit

CLD = credit limit decrease

CLI = credit limit increase

CSP = Chase Sapphire Preferred
CU = credit union

DC = Citi Double Cash
DH = dear husband
DW = dear wife

EDP = American Express Every Day Preferred

EO = Executive Office

EQ = Equifax
EX = Experian

FAKO = credit reports using other formulas, less used by lenders

FICO = credit reports according to Fair Isaac formula, most used by lenders

FOTM = Flavor of the month (popular new cards with uncertain staying power)

FU = Chase Freedom Unlimited (please ignore any other connotation for those initials)

FWIW = for what it's worth

Gardening = choosing NOT to apply for new lines of credit

HP = hard pull (credit check listed as an inquiry on credit report)

IMO/IME = in my opinion / in my experience

INQ = inquiries listed on credit report
OP = original poster
PC = product change (change the name & type of a credit card to another issued by the same company)

PRG = American Express Premier Rewards Gold

Prime = desirable; usually used to reference cards with better features, rewards, or perks; lower interest rates; and greater perceived stability

QS = Capital One Quicksilver
Recon = ask company to reconsider a denial of credit

SCT = shopping cart trick (using the shopping cart features of online stores to apply for store credit cards with a soft pull only)

SP = soft pull (credit check not listed as an inquiry)

Sub-prime = less desirable; usually used to reference store cards or cards designed for lower credit scores

TL = transaction lines / credit lines
TU = TransUnion

VS = Visa Signature (the highest level of benefits provided on a Visa card, comparable with "Visa Infinite")
WEMC = World Elite MasterCard (the highest level of MasterCard features, benefits similar to Visa Signature)
WMC = World MasterCard (offers special features from MasterCard, but not quite as many as World Elite)

YMMV / YEMV = your mileage may vary / your experience may vary

Let me know what I missed and I'll add it in. Hope this helps!


As you have EDP, may as well add ED.   And for BC, I would add "also known as OBC" (and then probably add an entry for OBC "see BC")

Message 3 of 38
Senior Contributor

Re: Updated Abbreviation List

SO for significant other, AOR App o rama, (Mod Cut-Isnt a subject to discuss on myFico)

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 4 of 38
Established Contributor

Re: Updated Abbreviation List

TL stands for Tradeline. Which is different from a transaction line.

Message 5 of 38
Valued Contributor

Re: Updated Abbreviation List

Many thanks for the very valuable and excellent new abbreviation list!  Smiley Happy  A quick question:  just to double-check, is "SL" "spending limit" or "starting limit", or both?  I had always assumed it had meant "starting limit" (as in a starting credit limit), so if I accidentally misunderstood, my apologies...

Message 6 of 38
Contributor

Re: Updated Abbreviation List

What does IHG stand for?
Message 7 of 38
Super Contributor

Re: Updated Abbreviation List

international house of gardeners! lol jk
i am on mobile so i don't see your desktop signatures
Message 8 of 38
Valued Contributor

Re: Updated Abbreviation List

honey-boo-boo-meme-01.jpg

Message 9 of 38
Frequent Contributor

Re: Updated Abbreviation List

LOL = laugh out loud

 

JK = Just kidding

 

Thanks! 

Ymmv ~ Cheers!

Discover it (4k), United (8k), Southwest (9k), AARP (5k), Hyatt (8k), Freedom (8k), Venture (20k), Quicksilver (30k), Hawaiian (15k), Cabelas (4k), BofA Cash (1.5k), Amex Hilton (10k), Citi Voyager (5k), Citi AA Platinum (4k), Farmers (7.5k), Amex Spg (10k)
Message 10 of 38
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