All terms starting with "E": Effective Date:
The first day your new card is activated and ready to use, or when new terms and conditions take effect.
Equifax:
One of the three credit bureaus / credit reporting agencies in the United States.
Excellent Credit:
Consumers with FICO scores above 720 have excellent credit. If you aren't sure of your credit score, you can use our free credit estimator or consider whether you meet all of the following qualitative criteria for excellent credit:
  • I have had at least one credit card, line of credit or loan for a minimum of five years
  • I currently have a credit card with a limit above $10,000
  • I have NEVER been over 60 days late on a medical bill, loan or credit card payment
  • I have never filed for bankruptcy
Experian:
One of the three credit bureaus / credit reporting agencies in the United States. Formerly known as TRW.