credit to和credit with都有歸功於的意思，區別在於credit to強調歸因於，credit with強調屬於。

credit to

歸功於；把…歸因於(某人或某物)：

The shortage of rice was credited to lack of rain.

水稻歉收是由於缺雨。

把…記入貸方：

She credited $100 to my account.

她把100美元記入了我的貸方。

2.credit with

歸功於[亦作credit to]:

She credited herself with the discovery.

她把那項發現歸功於她自己。

把…記入貸方[亦作credit to]:

She credited your account with the amount of the cheque.

她把支票款項記入你的賬戶的貸方。

認為或相信(某人)有(某種性質或成就等)：

He came to the firm already credited with many honours.

他來公司時已經載譽不少。

3.credit

n. 信用，信譽；[金融] 貸款；學分；信任；聲望

vt. 相信，信任；把…歸給，歸功於；讚頌

credit card 信用卡；記帳卡

on credit 賒帳