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Examinations and satisfactory completion of all course work.
Explanation: This seems like a long answer but in the U.S., there is no one word to describe "зачёт". In universities in the U.S., your grade can be based on exams or on your participation and completion of all work throughout the semester. The grading system for each class would be outlined in the course syllabus at the beginning of the semester.
I hope this helps.
Natametzger United States Local time: 11:25 Native speaker of: Russian PRO pts in pair: 24
Explanation: Basically, both are exams, but in case of "zachot", there are only two possibilities: pass or fail. (This is a comment from a latecomer, sorry, still, the 'credit test' does not sound very convincing to me.)
Eva Blanar Hungary Local time: 17:25 Native speaker of: Hungarian PRO pts in pair: 11