Standard boy getting credit notes is frugal (12)
I believe the answer is:
parsimonious
'frugal' is the definition.
(I've seen this before)
'standard boy getting credit notes' is the wordplay.
I cannot quite see how this works, but
'standard' could be 'par' (standard of play in golf) and 'par' is located in the answer.
'boy' could be 'simon' and 'simon' is found within the answer.
'notes' could be 'ious' (I Owe You notes) and 'ious' is present in the answer.
This accounts for all the letters.
This explanation may well be incorrect...
'is' is the link.
Can you help me to learn more?
(Other definitions for parsimonious that I've seen before include "Cheese-paring" , "Close-fisted" , "Miserly" , "Frugal" , "Thrifty, mean" .)