Unwilling to give credit (9)

I believe the answer is:

sceptical

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'unwilling' is the definition.
Both the definition and answer are adjectives. Maybe you can see an association between them that I don't see?

I cannot understand how the rest of the clue works.

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(Other definitions for sceptical that I've seen before include "Disinclined to believe" , "Inclined to doubt accepted opinions" , "dubious" , "Inclined to disbelieve, not convinced" , "Doubting or disbelieving" .)

I've seen this clue in The Globe and Mail.

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