Crossword Genius

Terribly bad credit? Use this instead (5,4)

Ross

I believe the answer is:

debit card

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'use this instead' is the definition.
I know nothing about this answer so I cannot judge whether it can be defined by this definition.

'terribly bad credit?' is the wordplay.
'terribly' indicates anagramming the letters.
'bad'+'credit'='badcredit'
'badcredit' with letters rearranged gives 'DEBIT CARD'.

Can you help me to learn more?

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

I've seen this clue in The Independent.
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