To keep it a hundred I think the credit is past due
Joe uses “a hundred” and “credit” as multiple meanings.
Initially it’s simple wordplay. One hundred dollars coupled with credit, a form of metaphorical money.
Secondly, the deeper meaning relates to Joe keeping it “one hundred”. Meaning keeping things 100% real. By keeping it real, Joe feels he deserves “credit” and should be respected more for doing that.
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