First of all, it depends on the nature of the arrears, whether there is any delay, or whether it has been paid, but there is a record of delay.

Look at the personal information of credit card registration. If it is a passport, there must be a bad credit record. If you use your driver's license to study or work in the United States, if you don't renew it, you may be cancelled and become a bad debt. If I had used the water and electricity fee or the identity of the bank letter office, the impact would have been less, and the passport office would still be the same.

Bad credit is a big problem in America, which belongs to playing with fire. Visa officers can use this to refuse visas or enter darkrooms. If the situation is special, it can be explained separately, and it is best to return it as soon as possible.