What does the cryptic crossword clue "Fool declines credit (8)" mean?

This cryptic clue uses wordplay to arrive at the answer. Visit the page for progressive hints — definition, wordplay type, and a full step-by-step explanation.

Fool declines credit (8)

Independent Cryptic #12311 | 1 Down | 2026-03-24 flower

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Also seen in

Telegraph #28991 (2019-03-06)