Crossword Genius

Credit bad, unfortunately — how might one pay? (5,4)

Ross

I believe the answer is:

debit card

'how might one pay?' is the definition.
(type of payment method)

'credit bad unfortunately' is the wordplay.
'unfortunately' indicates an anagram (a bad or unfortunate spelling).
'credit'+'bad'='creditbad'
'creditbad' with letters rearranged gives 'DEBIT CARD'.

(Another definition for debit card that I've seen is " alternative to cash".)

I've seen this clue in The Times.
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