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15 PHRASE If something is to someone's credit , they deserve praise for it. □  She pulled herself together and, to her credit, looked upon life as a positive experience.

16 PHRASE If you already have one or more achievements to your credit , you have achieved them. □  I have twenty novels and countless magazine stories to my credit.

cred|it|able /kre d I təb ^ə l/

1 ADJ A creditable performance or achievement is of a reasonably high standard. □  They turned out a quite creditable performance.

2 ADJ If you describe someone's actions or aims as creditable , you mean that they are morally good. □  Not a very creditable attitude, I'm afraid.

cre d|it card (credit cards ) N‑COUNT A credit card is a plastic card that you use to buy goods on credit. Compare charge card .

cre d|it crunch N‑SING A credit crunch is a period during which there is a sudden reduction in the amount of money that banks and other lenders have available to lend. [JOURNALISM ] □  The most common argument for cutting interest rates is to prevent a global credit crunch.

cre d|it hour (credit hours ) N‑COUNT A credit hour is a credit that a school or college awards to students who have completed a course of study. [AM ] □  Now he needs only two credit hours to graduate.

cre d|it note (credit notes ) N‑COUNT A credit note is a piece of paper that a shop gives you when you return goods that you have bought from it. It states that you are entitled to take goods of the same value without paying for them. [BRIT ] in AM, use credit slip

credi|tor /kre d I tə ^r / (creditors ) N‑COUNT [usu pl] Your creditors are the people who you owe money to. □  The company said it would pay in full all its creditors.

cre d|it rat|ing N‑SING Your credit rating is a judgment of how likely you are to pay money back if you borrow it or buy things on credit.

cre d|it slip (credit slips ) N‑COUNT A credit slip is the same as a credit note . [AM ]

cre d|it tra ns|fer (credit transfers )

1 N‑COUNT [oft by N ] A credit transfer is a direct payment of money from one bank account into another. [BRIT ] in AM, use money transfer 2 N‑COUNT If a student has a credit transfer when they change from one school or college to another, their credits are transferred from their old school or college to their new one. [AM ]

credit|worthy /kre d I twɜː ^r ði/ also credit-worthy ADJ A creditworthy person or organization is one who can safely be lent money or allowed to have goods on credit, for example because in the past they have always paid back what they owe. □  Building societies make loans to creditworthy customers. ●  credit|worthi|ness N‑UNCOUNT □ [+ of ] They now take extra steps to verify the creditworthiness of customers.

cre|do /kriː doʊ, kre I -/ (credos ) N‑COUNT A credo is a set of beliefs, principles, or opinions that strongly influence the way a person lives or works. [FORMAL ] □  Lord Clarendon's liberal credo was one of the foundations of his political conduct.

cre|du|lity /kr I djuː l I ti, [AM ] -duː -/ N‑UNCOUNT Credulity is a willingness to believe that something is real or true. [WRITTEN ] □  The plot does stretch credulity.

credu|lous /kre dʒʊləs/ ADJ If you describe someone as credulous , you have a low opinion of them because they are too ready to believe what people tell them and are easily deceived. [DISAPPROVAL ] □  …quack doctors charming money out of the pockets of credulous health-hungry citizens.

creed /kriː d/ (creeds )

1 N‑COUNT A creed is a set of beliefs, principles, or opinions that strongly influence the way people live or work. [FORMAL ] □ [+ of ] …their devotion to their creed of self-help.