Potential answers for "Things you can get credit for"

⭐⭐⭐⭐ APEXAMS
⭐⭐⭐ VISA
⭐⭐⭐ DEBT
⭐⭐⭐ NADIR
⭐⭐ SAINT
⭐⭐ COATROOM
⭐⭐ SPA
⭐⭐ ELO
⭐⭐ ASHORE

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Blandly agreeable   Meet at the river, perhaps   "You bet!"