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The word credit is actually too general that may not be explained clearly. But remember that credit is what a person is indebted to another person; a meaning that refer to the great relationship between credit and debt.
Usually you can find the word credit combined with other terms to indicate different other services.
You can find the word credit in other expressions like: credit score, credit report, credit history, credit card, credit rating which are important terms when speaking about credit and the financial system.