Personally, it does not make we feel any particular way. The word "credit" does have many positive connotations. It is all in how one perceives the word in its true context. For example, as a Professional Event/Wedding Planner, our policy dictates absolutely no refunds for any events where tickets were sold; however, if for any reason the event itself did not for any reason perform as we would have expected, we will issue a credit for the client/customer. 

What this is referring to is that for example, if the show expected there to be a specific number of or type of vendors to be on display and those vendors just do not show up at the last minute then we will issue a credit for the next year's show or the next show in the same fiscal year; whichever the client/customer may choose.

Credit can also be applied to obtaining credit such as what is referred to and displayed on one's credit bureau report. This credit is crutial for individuals wishing to one day purchase a home, car, or gain other access to personal or business loans. It is very difficult to attain without having good to great "credit."

Next, "credit" may also refer to "credit" cards. Of course, to some this may have a negative connotation; however, it may also have a positive conotation as well ... it all depends on how you look at it, how you behave with it, how you manage it, and indeed how it is utilized overall. If credit cards are revolved correctly, and consumers do not over-utilize their limits then credit cards can be a positive thing to their credit building and credit bureau reporting and FICO increases. 

Its all in discipline. The key is watching debt to income ratio, watch the percent of utilization compared to the overall credit limit of each card, and do not over use. However, it can also hurt FICO score to just leave the cards open without using them too. This can lower the FICO score. 

A "credit" also is positive when referring to a bank register, a bill, or invoice, or any other finaincial transaction. This typically means you do not owe them ... it means they owe you. I always like seeing a "credit" on finaicial documents illustrating I have a "credit" ... means I have a credit and money owed to me!! Yeepee!! Whoop! Whoop! Thanks for posting this ... it was definitely something different to think about this Monday morning. Wishing you a blessed week ahead.