I voted credit, just because its sorta a no brainer as long as you're disciplined.
that said though, if there is zero chance of anything happening with my deposit and its easy to get money back and forth, I'd actually prefer to play with my money up. Just something about the state of mind playing with a +balance as opposed to playing with a big ugly ass - balance.
I respect people that turn down credit and post up, to keep themselves in check.