Hi, I'm trying to write a formula and I'm unsure of the syntax, can someone help please?

I need to write a formula so that

If C2=C3 and K2=K3 then O2 & O3 will have the word "Credit" in the cell.

I've written =IF(AND(C2=C3,K2=K3),"Credit") but I'm not getting the result I want in O3, that is coming up false, so I think I need to add an OR condition, but brain has failed.

Any help greatly appreciated.

Thanks