Holding this card is no credit to you (5)
I believe the answer is:
debit
This might be a double definition.
'holding' is the first definition.
The definition and answer can be both related to property as well as being singular nouns.
Perhaps they are linked in a way I don't understand?
'this card is no credit to you' is the second definition.
Although both the answer and definition are singular nouns, I cannot see how they can define each other.
Can you help me to learn more?
(Other definitions for debit that I've seen before include "Entry in account book of sum owed" , "Remove (money) from account" , "Payment made or owed" , "Deduct from account" , "Negative entry in the accounts" .)