This is the 8037th most frequent Russian word.
кредитный
"Credit-related" or "pertaining to credit."
Here, 'кредитная' is an adjective describing the noun 'карта' ('card'), indicating that it is related to credit.
У меня есть кредитная карта.
I have a credit card.
In this sentence, 'кредитные' is used as an adjective to describe 'условия' ('terms'), suggesting terms associated with a loan or credit.
Банк предлагает кредитные условия на покупку жилья.
The bank offers credit terms for purchasing housing.
Here, 'кредитная' modifies 'история' ('history'), referring to the record of a person's credit use.