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Collected lead antiques with credit card and felt regret (7)

Ross

I believe the answer is:

accrued

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'collected lead antiques' is the definition.
Although both the answer and definition are past participle verbs, I cannot understand how one could define the other.

'credit card and felt regret' is the wordplay.
'credit card' becomes 'acc' (I am not sure about this - if you are sure you should believe this answer much more).
'and' is a charade indicator (letters next to each other).
'felt regret' becomes 'rued' (I've seen this in another clue).
'acc'+'rued'='ACCRUED'

'with' is the link.

Can you help me to learn more?

(Other definitions for accrued that I've seen before include "Once built-up" , "Grew or accumulated like interest" , "Accumulated over time" .)

I've seen this clue in the Sydney Morning Herald.
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