credit to和credit with都有归功于的意思，区别在于credit to强调归因于，credit with强调属于。

credit to

归功于；把…归因于(某人或某物)：

The shortage of rice was credited to lack of rain.

水稻歉收是由于缺雨。

把…记入贷方：

She credited $100 to my account.

她把100美元记入了我的贷方。

2.credit with

归功于[亦作credit to]:

She credited herself with the discovery.

她把那项发现归功于她自己。

把…记入贷方[亦作credit to]:

She credited your account with the amount of the cheque.

她把支票款项记入你的账户的贷方。

认为或相信(某人)有(某种性质或成就等)：

He came to the firm already credited with many honours.

他来公司时已经载誉不少。

3.credit

n. 信用，信誉；[金融] 贷款；学分；信任；声望

vt. 相信，信任；把…归给，归功于；赞颂

credit card 信用卡；记帐卡

on credit 赊帐