Cryptic crossword clue
Appear frightened to have debt while in credit 5

The most common and most likely answer to this crossword clue is the 5 letter word COWER

I've seen this crossword clue in Independent
C
O
W
E
R


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The straight part
We know that "Appear frightened" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case appear frightened = cower.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does COWER mean?

COWER verb
  1. To crouch or cringe, or to avoid or shy away from something, in fear.
  2. To crouch in general.
  3. To cause to cower; to frighten into submission.
COWER verb
  1. To cherish with care.

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