Based on my prior knowledge, the credit history feature can provide valuable information in predicting whether a person receives a credit.

```json
{
    "yes": ["existing paid", "all paid"], 
    "no": ["critical/other existing credit", "delayed previously", "no credits/all paid"]
}
```

In the "yes" class, people with a credit history of "existing paid" or "all paid" are more likely to receive a credit. On the other hand, in the "no" class, people with a credit history of "critical/other existing credit", "delayed previously", or "no credits/all paid" are less likely to receive a credit.