As for your question, I once asked an immigration lawyer. It doesn’t matter at all. Credit history will not affect immigration, and the Immigration Bureau will not check it. Background checks generally include your criminal record, physical examination, academic qualifications, whether you have worked illegally before, or whether you have any records of overstaying after your visa expired, etc.

But your credit record will only affect your future loans to buy a car, buy a house, sign a contract to buy a mobile phone, re-apply for a credit card, etc.