The crossword solution for the term 'USE A CHARGE CARD' is 'OWE'. This is an acronym for 'Open-end Credit Withdrawal Extension', which is a type of loan that allows a borrower to use a charge card to borrow money from a lender. The borrower must then repay the loan with interest. This type of loan is often used for short-term financing needs, such as paying for unexpected expenses or making a large purchase.