using a word like "credit" in this sentence
may confuse interpreting in first glance.
because the word has a lot of (no-relation) meaning.
when dealing with low level langaue such (english)
you have to deal with such issue in many places.
and the only thing you can do here is ...just assume .

The answer was based on my opinion only,

and the use of this word is intended to refer to. not pay to.