I'm going to be harshly straight forward with you. When playing with a credit shop, you have to have good discipline because you have to settle every Monday and then you start out with a new line of credit. The problem is with a credit shop is if you don't have control, you can build up a substantial balance in a week and then blow it before you have to settle. You always know in the back of your mind that you are going to have new credit available on Monday.
With post up, not only do you get a better menu with shops like 5Dimes and Betonline, as you well know, but because you don't want to keep loading in funds, you tend to manage what you have in your account much better and take payouts once your bankroll has grown and you can still keep any necessary working balance in your account. JMO