Credit European with bad habits and cracks (8)
I believe the answer is:
crevices
'cracks' is the definition.
('crevice' can be a synonym of 'crack')
'credit european with bad habits' is the wordplay.
'credit' becomes 'cr' (abbreviation).
'european' becomes 'e' (abbreviation e.g. EU).
'with' is a charade indicator (letters next to each other).
'bad habits' becomes 'vices' (I've seen this before).
'cr'+'e'+'vices'='CREVICES'
'and' acts as a link.
(Another definition for crevices that I've seen is " Long narrow cracks or fissures".)
I've seen this clue in The Mirror.
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