I lost my job and could not pay my credit card but now found a new job. Can I apply for new visa?

There is no link between unpaid debt and the visa. The effect of non-payment of debts is in legal and judicial prosecutions.

Please note that you will not be able to renew your visa if a criminal case is pending against you. You mentioned the amount of the fine in the question.

If you pay the fine, you can apply for a clearance certificate, after which you can apply for visa renewal.

Whereas in the civil case, even if there is a judgment against you and as long as the second party does not ask to impose a ban on you, you can renew your residence visa freely.