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There are two main uses:

If I give you credit for your effort then it is positive. I do not actually lose, or use up, anything by giving it to you.

But in the second meaning, I give you monetary credit. that means I allow you to owe me money - to be paid back at a later date. I have lost the use of that money for now, and you have gained access to that money for now so it is simultaneously positive and negative.

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Q: Does credit have a positive or negative meaning?
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