What does the cryptic crossword clue "You need to be careful when one charges you money (5)" mean?

The definition is "You need to be careful when one charges you / money". The wordplay uses a double definition. Double definition The answer is RHINO.

You need to be careful when one charges you money (5)

Times Cryptic #28537 | 22 Down | 2023-02-27 flower

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