Use reasoning to lead to the answer of the following question:
The person could get a car loan at a great interest rate, why?\nOptions:\n- smooth skin\n- fresh produce\n- understand themselves\n- good credit\n- headache
 Reasoning process:
User
People who have no criminal or police record, are considered good citizens. When people frequently use credit cards, they have good credit score. People can get loan with a great interest rate with good credit score. Therefore, the final answer is good credit.
Assistant