The term CARDERS' CONCERNS is composed of two words: 'carders' and 'CONCERNS'. Carders are people who illegally obtain and use credit card information for fraudulent purposes. Their CONCERNS include avoiding detection by law enforcement, staying up to date on the latest methods of obtaining and using credit card information, and finding ways to maximize their profits. The solution to the crossword puzzle for this term is AGES, which could refer to the age of the carders or the length of time they have been involved in illegal activities.