“No man’s credit is as good as his money” is credited to E. W. Howe (1853-1937), who established and edited the Atchison (KS) Daily Globe. “No man’s credit is as good at a bank as he thinks it is” was cited in many newspapers in 1893, but without attribution. “No man’s credit is so good that the cash is not better” was credited to the Atchison (KS) Daily Globe in 1905.
 
The following was cited in the Denver (CO) Post in 1909:
 
“Occasionally you hear a man boasting how good his credit is; but, as a matter of fact, no man’s credit is as good as his money.—E. W. Howe”
   
   
Wikipedia: E. W. Howe
Edgar Watson Howe (May 3, 1853 – October 3, 1937), sometimes referred to as E. W. Howe, was an American novelist and newspaper and magazine editor in the late 19th and early 20th centuries. He was perhaps best known for his magazine, E.W. Howe’s Monthly. Howe was well traveled and known for his sharp wit in his editorials.
     
4 May 1893, Fremont (IN) Eagle, pg. 7, col. 4:
NO MAN’S credit is as good at a bank as he thinks it is.
 
Chronicling America
27 August 1905, Daily Press (Newport News, VA), pg. 2, col. 3:
No man’s credit is so good that the cash is not better.
 
30 August 1905, The Times-Democrat (Lima, OH), pg. 3, col. 2:
ATCHISON GLOBE SIGHTS.
(...)
No man’s credit is so good that the cash is not better.
 
3 August 1909, Denver (CO) Post, pg. 14, right masthead:
Occasionally you hear a man boasting how good his credit is; but, as a matter of fact, no man’s credit is as good as his money.—E. W. Howe
 
Chronicling America
7 August 1909, Daily Public Ledger (Maysville, KY), pg. 4, col. 2:
Occasionally you hear a man boasting how good his credit is, but, as a matter of fact, no man’s credit is as good as his money.
 
Google Books
Country Town Sayings:
A Collection of Paragraphs from the Atchison Globe
By Edgar Watson Howe
Topeka, KS: Crane & Company
1911
Pg. 42:
Occasionally you hear a man boasting how good his credit is, but, as a matter of fact, no man’s credit is as good as his money.
 
Google Books
Aesop’s Foibles:
With Six Hundred Quotations of the Great Minds of the Ages
By Oscar Berger
New York, NY: John Day Co.
1947
Pg. 28:
No man’s credit is as good as his money.
E. W. HOWE
 
Google Books
Phillips’ Book of Great Thoughts, Funny Sayings:
A Stupendous Collection of Quotes, Quips, Epigrams, Witticisms, and Humorous Comments
Edited by Bob Phillips
Wheaton, IL: Tyndale House
1993
Pg. 80:
No man’s credit is as good as his money.
Ed Howe
   
Washington (DC) Post
A secured credit card can help to establish or mend credit
By Michelle Singletary Columnist September 16, 2014
As the old saying goes, no man’s credit is as good as his money.