I hope you won’t take advantage of this loophole and think that you can stop paying off your credit card debt after immigrating. Your detailed information has been recorded when you get a credit card from the bank. Once you owe money, you will have to bear a fine. Otherwise, your credit record will be traced to you, which may seriously affect your immigration application. Discovering that someone has a tainted credit in the United States will affect that person's life. You may never be able to find a job, and it will also be difficult to apply for loans, insurance, etc.