The word "snappy dog" is usually used to describe a person who is dishonest, dishonest or unreliable. However, it is not accurate or appropriate to use "leap-skinned dog" to describe dishonesty, because the word is derogatory and insulting to a certain extent.

A better expression could be "a person who is not trustworthy", "a person who is not trustworthy" ", "People who don't keep their promises", etc. These expressions more objectively describe a person's credit problems without overly negative emotional overtones.

Of course, specific words can be chosen based on context and expression needs, but it is important to avoid using insulting or offensive words to avoid causing unnecessary controversy or conflict.