Credits are a currency, so convert them before you compare
Suite CRMs increasingly price capability in credits: telephony credits, chat sessions, AI actions. Credits are convenient for the vendor and confusing for the buyer, because a credit balance is not a budget. Two products can carry the same seat rate and differ enormously once you convert your real volumes into currency at each vendor's rate.
Volume first, rate card second
Work out your own numbers before you open anybody's price list: calls per rep per day, average call length, selling days per month, website chat volume, and how many enrichment or scoring actions each lead triggers. Those figures are yours and they do not change between vendors. Only then apply each rate card.