The most important thing is to have your own credit history, including whether there are bad loan records, bad credit card swiping records, whether there are still mortgages such as housing and car purchase, and whether there are still loans that are not due.
They actually want to check your credit history through this information to see if you have any credit problems, and if there is no problem, they will pass.
Also, as long as your credit card or loan has overdue personal credit, it will be displayed.