It does not mean that your credit is bad.

Zhaomi value is a points system for China Merchants Bank credit cards, which is calculated based on the customer's consumption, repayment and other behaviors. The higher the loan value, the better the customer's personal loan qualifications at China Merchants Bank and the more rights they enjoy.

The relevant rights and interests are as follows:

1. Open a flash loan to earn rice value and enjoy special gifts. Once you sign up, you can draw a big prize, the overall winning rate is 100, and you can win a laptop of up to 7,888 yuan.

2. If the rice value is greater than 11,000 points, you can enjoy up to 100,000 yuan rice ball coupons. Rice Ball Interest Saving Coupon is an interest-free coupon launched by Flash Loan. The interest-free loan amount ranges from 1,000 yuan to 100,000 yuan. Using rice ball interest-saving coupons can provide different interest-free days according to different loan amounts. The smaller the loan amount, the longer the interest-free days. The longest interest-free days can be up to 21 days, and early repayment does not require any interest.