Colloquial abbreviation of クレジットカード, used in casual conversation and informal writing.
See also: クレジットカード
You can pay by credit card at this store.
Can I pay by credit card?
I've accumulated credit card points.
初めてクレカを作った。
I got a credit card for the first time.
This restaurant doesn't accept credit cards.
Abbreviation of クレジットカード (credit card), formed by taking the first two morae of each component: クレ(ジット) + カ(ード).