Consumer credit refers to a form of credit provided by enterprises, banks and other financial institutions to meet consumers' consumption needs, including deferred payment, installment payment, consumer loans and credit card consumption. The housing loan obtained by residents is a consumer loan, which belongs to consumer credit, so item B is correct; Commercial credit is a form of credit directly related to commodity trading provided by industrial and commercial enterprises, so item A is wrong; National credit refers to a form of credit in which the state and its affiliated institutions, as debtors or creditors, borrow from the public and foreign governments or lend to debtor countries according to the principle of credit, so item C is wrong; Compensation trade means that the buyer imports machinery, equipment, technology and some raw materials from foreign manufacturers on the basis of credit, and agrees to repay them with products or services within a certain period of time, so item D is wrong. Therefore, the correct answer to this question is B.