Credit retailer or cash retailer - long term?

[gareth01]

which is better in the longer term (from a capital appreciation) a credit or cash retailer? I would think the "Cash" retailer, provided it has good brands and is more defensive in nature (depending on the company). Say, MPC, Shoprite and Pick n pay. But yes, they have run over the past 6months, but have come latest. (I would select MPC or shoprite). The credit retailers are showing good value (and with further possibility of a interest rate cut), could the likes of ABIL, Lewis stores, Foschini, Truworths, be a good bet? (Yes, in the short term due to the value). But longer term - which has more upside? 5-7 years?