Citi only allows one credit card application in 8 days.

Chase only allows two credit card applications within a 30 day span. This includes personal and business cards. The #/30 is the number of cards this person has applied for from Chase in the past 30 days.

Citi only allows two credit card applications in sixty-five days.

Amex has a limitation of only allowing 2 credit card approvals within 90 days. This applies to both business and personal credit cards. Charge cards do *not* count against this limit. This is not a hard and fast rule, but it does apply to most applicants.

Chase only allows 5 credit card applications in the past 24 months. If you have more than this, you will be auto denied for more cards from them. This includes credit cards from other banks. The count does *not* include business cards. #/24 is the number of cards this person acquired in the past 2 years. More details courtesy of DoC

The average age of all of your credit card accounts opened in the last 10 years. This is used as one factor in determining your credit score. The higher your AAoA, the better.

A bank to bank transfer of funds.

The yearly fee associated with having a credit card.

A gift card offered by American Express.

Applying for multiple credit cards on the same day. An old tradition that many people still use, it has its benefits and detriments.

A secondary user of an account (typically a credit card).

Taking such advice has its drawbacks, the decision and repercussions are on you.

The Bank of America Better Balance Rewards card that earns $25 per quarter when you pay your non-zero balance off.

A Chase manager responsible for dealing with business clients at banks.

A cash reward credited back to a customer after meeting some criteria (min spend, age of account, percentage cash back, etc...).

The major ones are Experian, Equifax, and TransUnion

A way to try to get targeted American Express offers by taking various paths to get to americanexpress.com. Details can be found here.

A free credit score provider for TransUnion and Equifax.

The total amount that is allowed to be charged on a particular credit card.

Asking your credit card issuer for an increase in your total spending limits on a particular credit card.

A higher tier Chase customer who has an established history with Chase banking. They are occasionally targeted for personal/business offers that are not offered to the general public.

A Southwest airlines promotion offered to fly a designated passenger for free every time you fly after meeting certain requirements. Details at southwest.com

Refers to the monetary value out of reward redemptions. 1cpp is the general minimum offered by all points/miles partners, meaning $.01 per each point/mile earned.

A representative of a bank/credit institution.

The act of taking a payment directly from an employer directly into a checking/savings account by an ACH.

A reputable blogger in the churning space. www.doctorofcredit.com

People will usually post 'DP' when posting some information to the community that others may find useful/helpful.

Europe and Aus/NZ often use a smartchip instead of a magnetic strip swipe card to process payments. Often times, cashiers will not know how to process a payment using a swipe card, so EMV chips are useful when traveling to these countries. (See FAQ below)

One of the three major credit bureaus.

One of the three major credit bureaus.

Flying in either first or business class.

An airline currency redeemable for flights/goods directly through an airline partner.

When a creditor puts an account under financial review, usually for abnormal spending behavior.

Fees charged by credit cards when used outside of your own country. Typically fees range between 2-3%. There are many cards that offer 0% fees when used abroad. If you travel abroad, its advisable to have at least one card with 0% foreign transaction fees.

A trusted traveler program, which also includes TSA Pre Check. Global Entry Website

Hilton Honors Reward Program

Refers to a check that the bank will perform on your credit profile. This will result in a temporary hit to your credit score. Excessive amounts of hard pulls is detrimental to your churning profile as this appears to the bank that you are a "credit risk" seeking to incur a large debt without hope of repayment (See: Not Worth the Hit)

Term designating that you're a flyer that's locked into to a certain airline. Most of your travel is through this airline's hub and thus they control the majority of your travel destinations.

Giving up on a phone call with a representative of a banking institution and calling back in. The hope being that you may have better luck with a different representative.

Opening a new browser window in "private mode". This allows you to hit a website without any cookies, and thus possibly be targeted for better offers.

A churner who has vastly exceeded the Chase 5/24 limit (oftentimes by ≥ 2x).

A US based company used to transfer money throughout the world. Similar to Western Union.

A Bank or Post Office Certified document redeemable for a specified amount of cash. It is more trusted than a check as funds are provided at time of issuance, rather than time of withdrawal.

Using your credit card to purchase items considered cash equivalents in order to meet spending requirements. This includes gift cards, money orders, and the loading of prepaid debit cards. MS'ing has many benefits and detriments. Usage of MS is AYOR.

The minimum amount that must be spent on a credit card in order to qualify for a sign up bonus.

The reward given as the sign up bonus is not worth the credit inquiry and decreased average age of accounts that will temporarily hurt your credit score.

The person (who created) or post (that was created) for the initial thread/discussion on reddit.

A reloadable debit card. OneVanilla

Converting one credit card to a different one. Banks will generally allow you to upgrade/downgrade to similar cards in the same product category. It's often used by churners to signup for a card with an AF waived for the first year, earn the bonus, and PC down to a $0 AF. Doing this doesn't affect your AAoA.

A global lounge pass. www.prioritypass.com

Refers to any high annual fee card requiring a high credit score. Usually reserved for clients with a high income that will spend a lot on travel or dining.

An American Express team that monitors their reward systems for abuse.

The telephone line for a credit card company to call to get your application reconsidered. This is usually as a result of an online application being put on hold.

Commonly used name for the Amex Target Prepaid RedCard.

A flight to and from a particular destination booked during the same checkout process.

Messaging your bank using its secure messaging system. Typically used when referring to Chase's messaging system.

A credit check that does not show up on your credit score. Usually performed by banks for checking accounts or by free credit score estimate services like Quizzle, CreditKarma or CreditSesame.

A legal contract you abide yourself to while signing up for a particular service.

Travelling oversees.

One of the three major credit bureaus.

Visa Gift Cards purchasable in many retail locations. Fixed face value from $25 - $500, usually charges an activation fee between $3.95 - $6.95.

(No longer available)

A US based company used to transfer money throughout the world. Similar to MoneyGram.

A saying meaning "I had these results, but you may not actually have the same outcome as I did."