The invention provides for optimizing Near Field Communications (NFC) at a NFC-enabled interaction terminal configured for conducting user interactions. The invention provides for a user to designate which user credentials are applied to which type of NFC-enabled interaction terminals. A NFC-enabled interaction terminal-specific Application Identifier (AID) is assigned to the user credentials, and, in use, the AID list that is communicated, via NFC, by a mobile communication device to the NFC-enabled interaction terminal includes the NFC-enabled interaction terminal-specific AID, which implements an AID selection order that prioritizes use of the AID. In response, the application executing on the mobile communication device processes commands from the NFC-enabled interaction terminal using the pre-designated user credentials.