The term 'credit card balance' refers to the amount of money owed on a credit card. The crossword solution for this term is 'DEBT, ' which is an amount of money that is owed to another person or organization. Credit card DEBT is a type of DEBT that is incurred when a person uses a credit card to purchase goods or services. Credit card DEBT can be difficult to manage and can lead to financial hardship if not managed properly.