import re
rx = r'(\bcredit[\w\s]*)?\baccount\b'
s = 'credit account, considering crediting your account promptly, credit your account, account for debit'
print(re.sub(rx, lambda x: x.group(0) if x.group(1) else "<<{}>>".format(x.group(0)), s ))
aW1wb3J0IHJlCnJ4ID0gcicoXGJjcmVkaXRbXHdcc10qKT9cYmFjY291bnRcYicKcyA9ICdjcmVkaXQgYWNjb3VudCwgY29uc2lkZXJpbmcgY3JlZGl0aW5nIHlvdXIgYWNjb3VudCBwcm9tcHRseSwgY3JlZGl0IHlvdXIgYWNjb3VudCwgYWNjb3VudCBmb3IgZGViaXQnCnByaW50KHJlLnN1YihyeCwgbGFtYmRhIHg6IHguZ3JvdXAoMCkgaWYgeC5ncm91cCgxKSBlbHNlICI8PHt9Pj4iLmZvcm1hdCh4Lmdyb3VwKDApKSwgcyApKQ==