Checking status after leaving Dubai with credit card outstanding

I was a resident of Dubai around 10 years back, and during that time I had some credit card balances which I am paying monthly. Not in every month.

I want to settle the debt, but before starting a negotiation with the bank I would like to know if there is a police case against me.

Is it a good idea to try and apply for the police good conduct certificate? If there is any case, how will the certificate look like?

Will I get the case details on the certificate or no certificate at all?

Also, during that time I did not have any Emirates ID. Can I apply even without the Emirates ID?