consumer credit

NOUN /kən'sumər_'krɛdɪt/
15 LETTERS · STARTS WITH C

consumer credit is a valid 15-letter word worth 21 points in Scrabble and 26 points in Words with Friends.

SCRABBLE WORDS WITH FRIENDS
C3O1N1S1U1M3E1R1C3R1E1D2I1T1
3 + 1 + 1 + 1 + 1 + 3 + 1 + 1 + 0 + 3 + 1 + 1 + 2 + 1 + 1 =21 PTS
DOUBLE WORD → 42TRIPLE WORD → 63
MEANING

What does consumer credit mean?