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All right, all right. Hui Youxiang is a consumer credit product, which was launched by China Merchants Bank, mainly targeting credit card holders of China Merchants Bank. The next discount depends on personal credit rating, income, loan use and other factors. If your credit rating is high, your income is stable and your loan is used reasonably, it may be easier to pay the discount next time. However, it should be noted that the discount is a loan product, which needs to be repaid on time, otherwise it will have a negative impact on your personal credit record.