All credit is pay, not all pay is credit. So the only options are pay and credit or pay no credit. Plus the double and new one and a half options.

Anything that is pay and credit offsets rsv guarantee. It also would count towards the WS/SS limit, GS trigger, or be eligible for bank deposits.

Pay no credit items are just pay and don’t count to any of the above.

Except for vacation which is pay no credit but does count towards the GS trigger.