African Credit Card. This is the term initially used by a UN aid worker in Sierra Leone to describe how the indigenous personnel used their particular weapon of choice.
Back when I was with EO in Liberia and Sierra Leone, those LURD and RUF poofters were always coming into Monrovia and Freetown with their African Credit Cards and taking what they pleased. They thought it was leenks guz, man. The UN guys said, "well, the AK47 is just an African Credit Card".