Credit Crunch is a mostly standard crossword puzzle. However, six of the squares have two-letter rebus entries (as clued by the flavortext). The clues with the rebus entries include an additional aside to highlight their unusual nature (e.g. “Sunscreen strength varieties (abbr.)… because I’m not paying for the full words!”).
After filling in the grid, the answer the puzzle can be extracted by reading the first letter in each rebus square from top to bottom, and then reading the second letter, yielding PROFIT OFFSET.
| S | H | O | T | E | B | A | Y | I | S | L | E | |||
| W | A | K | E | S | P | I | N | E | M | E | O | W | ||
| A | H | E | M | W | A | R | T | S | P | A | V | E | ||
| T | A | D | PO | L | E | D | I | A | B | E | T | E | S | |
| S | O | A | P | S | N | A | RF | |||||||
| C | C | S | T | R | E | E | D | E | E | R | E | S | ||
| A | O | C | S | OF | T | L | Y | S | C | O | N | E | ||
| J | U | A | N | F | I | V | E | S | T | L | D | R | ||
| U | P | D | O | G | T | E | S | C | O | O | U | I | ||
| N | E | S | T | E | A | S | E | R | B | S | P | FS | ||
| A | N | D | Y | S | A | V | E | |||||||
| C | O | O | K | IE | J | A | R | W | I | C | C | A | N | |
| O | N | M | E | U | N | I | O | N | A | I | R | Y | ||
| B | E | E | R | S | N | O | TT | Y | R | A | M | S | ||
| S | S | N | S | T | I | T | O | D | O | S | E |