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Credit Card Glossary: Terms and Definitions

Confused by credit card terms? CreditCards.com's glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.


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ECOA codes

"ECOA" stands for Equal Credit Opportunity Act, which was enacted by Congress in 1974 to prohibit discrimination in lending. ECOA-mandated codes appear on credit reports and are designed for nondiscriminatory identifications/categorization of an account. Code examples: "I" is an Individual account, "J" is a Joint account, "A" is an Authorized user.