The crossword solution for the term CREDIT OR ___? is DEBIT, which is a five-letter word. Credit and DEBIT are two of the most common forms of payment used in the world today. Credit is a form of payment that allows a person to borrow money from a lender, such as a bank, and pay it back over time with interest. DEBIT is a form of payment that allows a person to spend money directly from their bank account. Both credit and DEBIT are widely accepted forms of payment and are used in many different types of transactions.