So for the explanation... firstly, I corrected your answer because the phrasing was slightly confusing and choppy. Secondly, I rephrased the answer just to show an example of how I/a native might respond to this question with your arguments as inspiration. Thirdly, I really don't like the question! It's phrased oddly in a way that most natives wouldn't phrase it. A better question or phrasing of this same question that you might actually hear in passing would be, "What are your thoughts around credit as a way of payment for the buying of goods?" Lastly, I personally feel like you did well considering that the question confused me the first two times I read it, and between your written and spoken answer I was able to decipher your meaning. Next time I would into a little bit more explanation of "why" you agree or disagree.