The credit report situation of Mimi Wallet has been made clear: it does not connect to the credit reporting system, nor does it conduct personal credit reporting inquiries. Mimi Wallet is positioned as a short-term small loan service. The upper limit of the loan amount that users can apply for is 10,000 yuan, and the maximum loan period does not exceed 15 days. Therefore, for those users who are concerned about their credit history, there is no need to worry about the impact on their personal credit report when using Mimi Wallet to borrow money. As long as it meets the needs of short-term capital turnover, Mimi Wallet will be a relatively private choice.