Choose shortly to accept final credit card? (7)
I believe the answer is:
plastic
'credit card?' is the definition.
(I know that charge card can be written as plastic)
'choose shortly to accept final' is the wordplay.
'choose shortly' becomes 'pic' (I can't explain this - if you can you should give a lot more credence to this answer).
'to accept' is an insertion indicator.
'final' becomes 'last' (synonyms).
'pic' placed around 'last' is 'PLASTIC'.
Can you help me to learn more?
(Other definitions for plastic that I've seen before include "Credit cards etc" , "Ubiquitous synthetic material" , "Scalp it badly to make a synthetic material" , "Like some cards" , "source of credit" .)