Do I need to apply for a visa?

No need. The core purpose of visa application is to assess whether the applicant has sufficient economic strength and stable professional background during his stay abroad, so as to avoid illegal residence or illegal activities. The credit report mainly reflects the individual's credit status, which has nothing to do with the core evaluation requirements of visa application, and the visa application does not involve financial transactions, loans, credit cards and other supporting materials, so it is not necessary to apply for a visa.