This is the 12751st most frequent Russian word.
кредитной
"Кредитной" means "credit" or "related to credit."
The word "кредитной" is used as an adjective describing the noun "картой" (instrumental case), which means "credit card."
Она получила кредитной картой возврат средств.
She received a fund refund using the credit card.
The word "кредитной" is used as an adjective related to "программы" (possessive case), referring to a program involving credit.
Банк предложил им кредитной программы для малого бизнеса.
The bank offered them a credit program for small businesses.
Here "кредитной" modifies "системы" (possessive case), describing the type of educational system based on credits.