Credo's is decent value. It's a somewhat upscale restaurant and bar in the evenings with an occasional lounge singer performance. It's got the TV in the background playing sports, a big fishtank... and the food is good, if not a tad pricey.
On weekends, Credo's isn't as busy as neighbouring cafes (as it lacks a decent outlook and terrace seating), but when it rains it is one of the few places with cover.
All in all it's a good spot. I recommend the steak sandwich for lunch. It's a good size and pretty tender.