Credit Card Points Abbreviations/Acronyms

  • 5/24: The Chase 5/24 Rule

  • AA: American Airlines

  • AAoA: Average age of Accounts

  • AF: Annual Fee

  • AGC: American Express Gift Card

  • AMEX: American Express

  • AMEX Plat: American Express Platinum Card

  • AU: Authorized User

  • BA: British Airways

  • BCP: Blue Cash Preferred (an American Express card)

  • BOA: Bank of America

  • Cap 1: Capital One

  • CB: Credit Bureau. The 3 major ones are Experian, Equifax, and TransUnion.

  • CFF: Chase Freedom Flex

  • CFU: Chase Freedom Unlimited

  • CIC (sometimes "CIBC"): Chase Ink Cash

  • CIP: Chase Ink Preferred

  • CIU: (sometimes "CIBU") Chase Ink Unlimited

  • CK: Credit Karma (​CreditKarma.com​)

  • CL: Credit Limit

  • CPP: Cents per Point. Value on much you’re getting on your points. The formula of this is CASH PRICE / TOTAL POINTS NEEDED X 100 = cents per point (CPP)

  • CSR: Chase Sapphire Reserve

  • CSP: Chase Sapphire Preferred

  • CSR: Customer Service Representative (also Chase Sapphire Reserve)

  • DL: Delta

  • DP: Data Point. Example - I have a DP on how many business cards you can get with Chase.

  • F: Full-fare first-class ticket

  • FF: Frequent Flyer miles

  • FTF: Foreign Transaction Fees

  • GC: Gift Card

  • GE: Global Entry

  • HH: Hilton Honors Reward Program.

  • HUCA: Hang up call again. Example - I tried calling AMEX to do a reconsideration call to help waive the annual fee on my Amex Platinum card. I didn’t get any offers on my first try so I’ll HUCA.

  • IHG: Intercontinental Hotel Group

  • J: Full-fare business-class ticket

  • MSR: Minimum Spend Requirement

  • MR: American Express’ Membership Rewards Program

  • P1: Player 1

  • P2: Player 2

  • PC: Product Change. Example - I want to PC into a card that doesn’t have an annual fee.

  • Recon: A reconsideration call where you attempt to overturn a credit card denial.

  • SM: Secure message. Typically the most convenient way to contact a bank.

  • SUB: Sign Up Bonus

  • SWA: Southwest Airlines

  • T&C: Terms and Conditions

  • TYP: Citi’s Thank You Points Program

  • UA: United Airlines

  • UR: Chase’s Ultimate Reward Program/Points

  • VGC: Visa Gift Card

  • WOH: World of Hyatt

  • YMMV: Your Miles May Vary. This means that you not the results may be different for people. For example, I called the reconsideration line for my AMEX Business Platinum card and got an offer of 55,000 points after $3000 spend to keep the card the following year. You can try doing this but your offer could be “YMMV”