```json
{
    "yes": ["yes"], 
    "no": ["none"]
}
```

Based on the feature description and task, it appears that owning a telephone does not have a strong relationship with the likelihood of receiving credit. People who own a telephone are classified as "yes" and those who do not own a telephone are classified as "no". However, it is worth noting that this relationship might not be entirely clear and there could be other factors that influence the decision to grant credit.