To avoid confusion over debits and credits, avoid thinking of them in the way that they are used in everyday language, which often refers to a credit as increasing an account and a debit as decreasing an account. For example, if our bank credits our checking account, money is added to it and the balance increases.
One way to reduce the frequency of this occurrence is to maintain an air pocket at the top of the water heater tank. This air pocket will form in the tank by design - however, it will be reduced over time by the everyday use of your water heater. To replenish this air pocket: Turn off the water heater.
Consider what happens to the water in a pot as it is heated over an open camp stove. The water at the bottom of the pot heats up first. This causes it to expand. Since the warmed water has a lower density than the water around it, it rises up through the cooler, dense water. At the top of the pot, the water cools, increasing its density, which causes it to sink back down to the bottom. This up and down movement eventually heats all of the water.