In the credit cloud, credit services are sold to applications for credit computing, credit fusion and credit risk estimates. Plenty of services with different performance for the same task may have different execution time and charged by various ways. The users have specific requirements for the workflow completion time or cost. Hence, to meet the user’s satisfaction is an important challenge. In this paper, we propose heuristic scheduling methods for credit workflow with total cost minimization, and the deadline is satisfied. The problem has already proved to be NP-hard. For the mode assignment problem, a recursive heuristic method is constructed to select appropriate service for each task in the workflow. Then another heuristic algorithm based on problem characteristic is established to get a final schema with deadline constraint. We discussed the service instance rented in shareable manner with traditional un-shareable manner, which has fewer studies before. Three renting manners are discussed in detail. Experimental results show the effectiveness and efficiency of the proposed algorithm.