For multi-syllable words, an additional factor is whether the final syllable is stressed. For example, "submitted" and "omitted" have a stressed final syllable, so the "t" is doubled. "credit" has an unstressed final syllable, so it isn't.
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GPYFor example, "submitted" and "omitted" have a stressed final syllable, so the "t" is doubled.Sorry, I did of course mean that the final syllables of "submit" and "omit" are stressed, not the final syllables of "submitted" and "omitted".