Crossword Genius

Groups with credit note for private affairs (7)

Ross

I believe the answer is:

secrets

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'private affairs' is the definition.
Although both the answer and definition are plural nouns, I cannot understand how they can define each other.

'groups with credit note' is the wordplay.
'groups' becomes 'sets' (I've seen this in other clues).
'with' is an insertion indicator.
'credit' becomes 'cr'.
'note' becomes 'e' (musical note).
'cr'+'e'='cre'
'sets' going around 'cre' is 'SECRETS'.

'for' is the link.

Can you help me to learn more?

(Other definitions for secrets that I've seen before include "Concealed facts" , "Undivulged facts" , "Hidden facts" , "Confidential matters" , "Mysteries" .)

I've seen this clue in The Mirror.
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