passwd pam_pwqualitypasswdchauthtok Reading pwquality configuration file failed Unknown setting - credit

This error message suggests that the system's password quality module (pam_pwquality) was unable to read its configuration file, which contains settings that determine the requirements for creating and changing passwords. Specifically, the error indicates that there is an unknown setting called "credit" in the configuration file.

To resolve this issue, you may need to update or reinstall the pam_pwquality module and ensure that its configuration file is properly configured. You may also need to check the syntax of the configuration file and remove any unknown or unsupported settings