This estimate will always be recorded, just because different countries have different ways to collect debts. There is also a capitalist country like Japan, which has always attached great importance to the real economy and does not support the credit card virtual economy in law. This is why many Japanese companies are willing to invest abroad after they grow up. More importantly, Japan has also experienced the era of financial product chaos in our country. So under normal circumstances, you have the right to apply for personal bankruptcy and the state will pay it off, which is different from our country. As long as an individual owes money, there is no other way but to collect it by violence, so a credit card that owes one million yen in Japan has little effect on a foreigner, but it should be more difficult to immigrate to Japan.