>I've got a filter set and the data seems to be defying it.
>SET filt to &DATEGOOD4 .AND. &CRED

I assume you want parans around the second filter

 CRED="'CC' $ REMARKS or CR_CARD#' '"

Should be

 CRED="('CC' $ REMARKS or CR_CARD#' ')"

If not then every record that returns true for the or will be true.