If you have bad debts in your credit report, you can open Youyimi Loan.

Although bad debt records in the credit record will have a negative impact on loan approval, opening Youyi Midai does not entirely rely on personal credit records. Youyi Midai is a loan product based on consumers' consumption behavior and credit evaluation model. In addition to credit records, it will also consider other factors, such as income status, job stability, repayment ability, etc. Therefore, even if there is a record of bad debts in the credit record, it is still possible to open Youyi Midai as long as other conditions are met.