I played it on the PS5 but I’ve seen performance comparisons. The Switch version runs at 60 FPS and the game was apparently built with that platform in mind, so it definitely seems like a safe bet! I’ve been burned by split-platform releases having a terrible Switch version before, but this one seems basically as good as any other version where it counts.
I’ve got a high credit score and I’ve never not paid it off in full. It’s only really ever went up over the years, with the occasional tiny 1-3 digit drop. I’d never pay interest I don’t need to in exchange for a higher rating; they’ve got enough money.