What does the cryptic crossword clue "Credit check ignoring capital is a pain in the neck (5)" mean?

The definition is "pain in the neck". The wordplay uses a charade (building blocks). CR (deletion) + ICK (deletion) = CRICK; definition: "pain in the neck" The answer is CRICK.

Credit check ignoring capital is a pain in the neck (5)

Guardian Cryptic #29366 | 31 Across | 2024-04-25 flower

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