Though I have heard a bit of Builder's Club before I played Habbo again, I have never tried Builder's Club myself yet.
When I was watching some of Builder's Club creators on YouTube, my reaction was like "Must be plenty of credits to spend on all of these furnitures". That was before I was aware of the Builder's Club feature when I found out.
Between the furnitures purcheses and the Builder's Club furnitures.
When you buy a furnitures for credits and/or diamonds, you keep them permanently, until you want to sell them or trade them.
When you choose the Builder's Club method by placing borrowed furnitures for free, not a single credit. but limited borrowed furnitures capacities. You might want to increase the limited capacities of borrowed furnitures, by purchasing the membership of the Builder's Club and/or the increased limited capacities of furnitures.
For me, it sounds a bit complicated to pick, either the furnitures purchases or the Builder's Club. I assume most of you prefer to Builder's Club for building and decorating rooms, am I right?