In Xiaomi smartphones on the basis of MIUI there are lots of apps that cause issues for users. Last but not least this is due to the fact that some apps are only available for a certain region, such as China. So, at the time of writing, Mi Credit application in global firmware is not available for use.
This is a kind of wallet, which stores MiCredits or we loans that can be used to buy all sorts of sweets. For example, for Mi credits you can buy themes or even space in the company’s cloud service Icloud. Please note the following screenshot: here is the cost in Hong Kong dollars, but when you pay you can choose Mi loans, if any.
It is worth noting that for Chinese firmware with Chinese and English application works and, moreover, allows you to use Mi loans. Perhaps in the near future, this functionality will be available for other regions.