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)

Telegraph #28991 | 14 Across | 2019-03-06 flower

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Independent Cryptic #12311 (2026-03-24)