Simple IF with Worksheet Change Event

[Anne Troy]

I know this cannot be the best:

Private Sub Worksheet_Change(ByVal Target As Excel.Range)
If Target.Column = 1 Then
If Target = "payment" Then
Target.IndentLevel = 1
Else
If Target = "credit" Then
Target.IndentLevel = 1
End If
End If
End If
End Sub

How can I make it sweeter?

(I know that y'all are determined I'm gonna learn VBA.)