Xard Anodit Creddy means: Pronounced ex-ard anneo-dit C-reh–d-e If you are having trouble naming a credit card, this name was created on the 5810. Named after a MSN conversation that 3 of my friends had. She was excited about her first credit card and decided to let her two friends choose the name. Anodit was the first name that came to mind. Creddy was the second. Xard, however, was a spelling error made by one of her friends. Xard stood for “ment to” and was not meant to be a card. However it sounded good so the name was changed to Xard. That was the way that the name was born =. (in Community Dictionary, added by Cohen Holden)