No. 51 Micro Wallet needs to review personal information. For example, if the applicant's age, occupation, credit report, etc. are not passed, you cannot apply for a loan. If the credit report is a credit card or has multiple loans, each loan will be recorded in the credit report. Yes, this violates the credit reporting issue of 51 Micro Wallet, so credit reporting users cannot apply for 51 Micro Wallet.