Thanks everybody.

dalehileman, interesting website. I didn't see the answer though.

Jackie, I too thought of the word "limited" but decided against it because 1)it's kind of a downer word, and 2) it's too ambiguous. I replaced it in my musings with "finite", which I decided was even more of a downer even it it might be a bit less ambiguous.

Olly, I don't think chips or tokens would be quite right. They're too ambiguous and unintuitive.

Faldage, the label must be intuitively understood by users and fit with the chemistry of the program. So it is important to get it right. Credit cards could also be considered cash equivalents, but they fall under the "credit accounts" category.

What about "spendable credit balances"?