Select the cells in the row you want to be formatted (since I doubt it's the ENTIRE row), and go to Format\Conditional Formatting.
In the dialog, select 'formula is' from the dropdown list and enter the formula =$A1="credit" in the blank. Then click the 'format' button, and select your colors/borders/fonts. Click OK until you are out of the dialog box, then try entering 'credit' in A1.
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