Cash or credit one possesses (6)

I believe the answer is:

crowns

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'cash or' is the definition.
I can't tell whether this definition defines the answer.

'credit one possesses' is the wordplay.
'credit' becomes 'cr'.
'one possesses' becomes 'owns' (I've seen this before).
'cr'+'owns'='CROWNS'

Can you help me to learn more?

(Other definitions for crowns that I've seen before include "Symbols of monarchy" , "At least ten shillings" , "emblems of kingship" , "caps" , "Tops of heads - tops of teeth" .)

I've seen this clue in the Evening Standard.

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