The term 'USE PLASTIC' is a reference to using credit cards or debit cards as a form of payment. The crossword solutions for this term are SPEND (5 letters), CHARGE (6 letters), and OWE (3 letters). SPEND refers to the act of purchasing goods or services with a credit or debit card. CHARGE is the action of placing a purchase on a credit or debit card. OWE is the result of making a purchase with a credit or debit card, which is that the cardholder will be responsible for paying back the amount charged.