MoneyU Glossary of Terms

MoneyU Glossary of Terms

Browse the glossary using this index

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Personal finance

The principles and methods that individuals use to acquire and manage income and assets.

Personal Identification Number (PIN)

The number used as an access code to ATMs or debit machines.

Personal Representative

The person who manages the decedent's estate; interchangeable with administrator or executor.


A personal or corporate interest in helping others, especially through gifts to charities or endowments to institutions.


Fee paid to the lender for the loan. One point equals 1 percent of the loan amount (or $1 for every $100 of loan). Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total cost.


A collection of securities assembled for an investment goal.

Posting Date

The date that a purchase, cash advance, fee, service charge or payment is recorded on your charge or credit account.

Power Of Attorney (Poa)

A legal document allowing a person to act for another.

Pre-Approved Credit

Credit card or a line of credit that is approved based upon available data without further information supplied by the potential Cardmember.

Predatory lending

Unscrupulous actions carried out by a lender to entice, induce, and/or assist a borrower in taking a loan that carries high fees, a high interest rate, strips the borrower of equity, or places the borrower in a lower credit rated loan to the benefit of the lender.

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