"Social Credit" doesn't exist in China the way it's portrayed in Western media. It's really just a way of enforcing civil judgments, so you aren't living high on the hog after telling your creditors that you're broke.
Depending on the type of bankruptcy declared, debtor exams happen here.
That's just isn't true. That's financial credit, social credit is more nefarious as you don't know what counts for or against you.