The concept of having "zero or no credit" can be expressed and/or discussed in American Sign Language via a combination of the following signs:
BANK
BORROW
CAN'T
CREDIT
NONE
ZERO
To express the concept of "I have no credit" or "I have zero credit" you can sign such phrases as:
"BANK WON'T LEND-to-me MONEY."
"I CAN'T BORROW MONEY"
"I NONE CREDIT"
Notes:
A few things to keep in mind when discussing the concept of "zero credit" or "no credit":
The English concept of "no" can mean "refusal of permission" as in "No, you can't go." The English concept of "no" can also mean "none" or "absence of / lacking / does not exist / don't have." These two English meanings of the word "no" each use different signs in ASL.
If you mean "refusal of permission" then do the standard "NO" sign (which is a modified (lexicalized) spelling of the letters "N" and "O" (the thumb, index and middle fingers opening and closing once or twice).
If you mean "no" as in "no credit" (as in "zero credit") then you can use the ASL sign for NONE (that holds up two "O" hands and moves them both outward/forward a few inches) or you can use the standard ZERO sign or a modified version of the ZERO sign wherein the "O" hand is smacked backward into the non-dominant palm and then fingerspell "CREDIT."
Why fingerspell "credit" in this situation? The fingerspelling of "credit" is not a hard and fast "rule" and varies from person to person, but many Deaf will tend to spell "credit" as a method of disambiguation (a way of clarifying what they mean) when referring to "the right or ability to borrow money" since the ASL sign typically glossed as CREDIT has several other meanings such as "profit" and "benefit."
Sample question:
"Do you have zero credit?" = YOU NONE CREDIT YOU? = "You have no credit?"
Notes: